Debt Payoff Calculator Spreadsheet | Avalanche vs Snowball | Excel & Google Sheets | Debt Free Date, Interest & Payment Schedule

Compare avalanche and snowball side by side — estimated debt-free dates and interest (illustrative; no payoff guaranteed).

Not sure whether to clear the smallest debt or the highest-interest debt first? This spreadsheet runs both methods side by side. Enter up to 8 debts with their balance, APR and minimum payment, plus the total you can pay each month. It builds a full monthly schedule for each method, charging interest at APR/12 and rolling each cleared debt's payment into the next. The dashboard shows your debt-free date, the months it takes, total interest and total paid for avalanche and for snowball, the order and month each debt is cleared, and two charts. You only type in the yellow cells, and the example data clears in seconds. It works with any currency.

Created with AI assistance and checked with automated formula tests. Not financial advice; for general information and planning only. It is not debt, investment, pension or tax advice, and no saving, payoff, return or retirement result is guaranteed. Results are estimates based on your own inputs. Assumed growth and withdrawal rates are editable and illustrative. Investments can fall as well as rise.

Avalanche and snowball are general debt-payoff methods only; this product does not guarantee you will become debt-free. For free UK debt help: MoneyHelper, StepChange, National Debtline. Named for information only; Fernbrook Guides is not affiliated with or endorsed by them.

Fernbrook Guides is not affiliated with or endorsed by Microsoft (Excel), Google (Sheets) or LibreOffice; the names are used for information only.

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