Debt Snowball Spreadsheet | Debt Avalanche Payoff Planner | Debt Free Date & Interest Saved | Excel & Google Sheets

See the exact month you will be debt-free, and how much interest you save by paying smarter.

WHAT IT DOES

• List up to 10 debts: balance, APR and minimum payment.

• Choose snowball (smallest balance first) or avalanche (highest APR first) with one click.

• Month-by-month plan for up to 120 months: when each payment rolls over to the next debt is calculated for you.

• Dashboard: debt-free date, total interest, interest saved compared with paying minimums only, and your payoff order.

WHAT YOU GET

• Blank spreadsheet

• Filled sample

COMPATIBILITY

Excel 2016+ (Windows & Mac), Excel Online and Google Sheets. No macros.

Not financial advice: results are estimates based on the figures you enter.

Digital download: nothing physical will be shipped. Personal use only; resale not permitted.

GOOGLE SHEETS NOTE: upload to Google Drive and choose “Open with Google Sheets” (or File > Import). Uses only standard functions (SUMIFS, INDEX/MATCH, IF…), no macros. Charts and some formatting may look slightly different than in Excel.

Designed with the help of AI tools.