Debt Payoff Tracker | Snowball & Avalanche Excel Google Sheets Printable Planner

Stop guessing which debt to pay off next. This tracker lays out your full debt list once, then shows you the Snowball order (smallest balance first) and the Avalanche order (highest interest rate first) automatically — pick whichever keeps you motivated, or compare both before you decide.

What's inside the workbook:- Dashboard — total debt, percent paid off and an estimated payoff date, calculated from your own numbers.- Debts — enter every debt once: name, type, balance, interest rate and minimum payment. Everything else reads from this one list.- Snowball Plan — your debts automatically sorted smallest balance first, with the suggested payment for each one this month.- Avalanche Plan — the same debts automatically sorted highest interest rate first, to minimize total interest paid.- Payment Log — a running record of every payment you make.- 12-Month Overview — scheduled payment, interest and principal for the next 12 months, so you can watch your total balance drop.

Included in this instant download:- DebtPayoffTracker.xlsx — the full editable workbook (Instructions, Dashboard, Debts, Snowball Plan, Avalanche Plan, Payment Log, 12-Month Overview)- DebtPayoffTracker-US-Letter.pdf — printable payoff plan table, a fill-in progress bar tracker and a motivation checklist, US Letter- DebtPayoffTracker-A4.pdf — the same printable pages, A4

Works in Microsoft Excel, Google Sheets and LibreOffice Calc. Only the shaded input cells are meant for typing — everything else is protected so the formulas don't break by accident.

The estimated payoff date and 12-month projection use one balance-weighted average interest rate across all your debts, applied to your total remaining balance — a simplified, whole-portfolio estimate, not a per-debt amortization schedule. This workbook is a record-keeping and planning tool, not financial or investment advice, and all amounts shown in the preview images are examples only.

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Made with the help of AI tools; all designs are original, not copied from another creator.