Debt Payoff Tracker Spreadsheet – Snowball vs Avalanche – Google Sheets & Excel

When will you be debt-free — and which strategy gets you there cheaper? This Debt Payoff Tracker compares Snowball, Avalanche and Minimums-only side by side using YOUR numbers, and shows your debt-free date and exactly how much interest you save.

WHAT'S INSIDE (6 tabs)

• Start Here – quick step-by-step instructions

• Debts – up to 15 debts (balance, APR, minimum payment), extra monthly payment and start month; automatic payoff order and per-debt payoff dates for both strategies

• Compare – months to debt-free, debt-free date, total interest, total paid, interest saved vs minimums, plus "which strategy saves more" summary

• Snowball Plan, Avalanche Plan, Minimums Only – month-by-month balance of every debt for up to 30 years, with automatic rollover of freed-up payments (paid-off debts turn green)

FEATURES

✔ Real formulas – change any number and everything updates instantly

✔ Charts: total debt over time (all 3 strategies) and total interest paid

✔ What-if: try a bigger extra payment and watch your debt-free date move

✔ Locked formula cells (no password) + color-coded input cells

✔ Example data included and clearly marked – clear it in seconds

✔ Works in Google Sheets, Microsoft Excel 2019+/365 and LibreOffice

✔ Bonus: illustrated How-to-Use PDF guide (English)

FILE DELIVERY

INSTANT DIGITAL DOWNLOAD – no physical item will be shipped. You'll receive:

1. SteadyFlow_Debt_Payoff_Tracker.xlsx

2. SteadyFlow_Debt_Payoff_Guide.pdf

Download from your Etsy Purchases page or the email link. Google Sheets: sheets.google.com › Blank › File › Import › Upload the .xlsx. Best used on a computer.

PLEASE NOTE

• Not financial advice. Interest is estimated monthly (APR ÷ 12); your lender's figures may differ slightly.

• Personal use only – please don't resell or share the files.

• Digital item: no returns, but message me if anything isn't working and I'll help.

• AI tools were used in creating this product (spreadsheet design assistance, instructions and listing graphics). All formulas were tested, and the listing images are real renders of the actual spreadsheet.

Part of the SteadyFlowSheets collection – see the shop for the Irregular Income Budget Planner, Savings Challenge Tracker, Wedding Budget Planner, Freelancer Tax Set-Aside Tracker and the money-saving Bundle.