Free Debt Payoff Calculator | Debt Snowball & Avalanche Spreadsheet (Google Sheets)

Wondering when you'll actually be debt-free? Type in up to six debts (balance, interest rate and minimum payment), add any extra you can pay each month, and this free Google Sheets calculator shows you:

- your debt-free date and how many months it will take

- how much interest you save compared with paying only the minimums

- the order to pay your debts and the month each one is gone

- a path-to-zero chart: your plan vs. minimums only

Switch between debt snowball (smallest balance first), debt avalanche (highest interest first) or your own order and watch the date move. When a debt is paid off, its payment rolls onto the next one automatically. USD or CAD. Works in any free Google account.

Want the whole plan? Fresh Start: Debt Payoff + Lean-Month Budget, also in this store, adds 10 debts, lump sums, a dashboard, a budget for steady or irregular income, a subscription audit and monthly check-ins.

What's included

- Google Sheets calculator (one-click "Make a copy" link): one tab, plus a hidden helper tab that does the month-by-month math

- Sample debts so you can see how it works

- PDF with your copy link and 3 quick steps

Not financial advice: it's a planning tool, and interest is estimated monthly. Personal use; please don't resell or redistribute the template or its copy link.