Debt Payoff Planner: Snowball & Avalanche (Excel & Google Sheets)

Get out of debt with a clear plan, one payment at a time.

• List up to 12 debts: balance, APR and minimum payment
• Choose your method: Snowball (smallest balance first) or Avalanche (highest interest first)
• The Plan tells you exactly which debt to attack next and how much to pay on it this month
• Estimated months to debt-free and debt-free date, based on your monthly budget
• Months and interest if you only paid the minimum, per debt
• Payment log with progress bars that update as you pay
• Only fill in the yellow cells; everything else calculates automatically

Works in Excel, Google Sheets and LibreOffice. Instant download. Estimates are a planning guide, not financial advice.