Budget & Debt Payoff Planner (Excel Spreadsheet)

Take control of your money and see exactly when you'll be debt-free.

This Excel planner puts your monthly budget and a complete debt payoff plan in one easy file. Type your numbers into the yellow cells and everything else is calculated for you.

WHAT'S INSIDE

- Monthly Budget: planned vs actual income and expenses, a category dropdown, totals by category, what's left over, and your savings rate. Overspending shows in red.

- Debt Payoff: up to 10 debts. Choose Snowball (smallest balance first) or Avalanche (highest interest first) and add any extra monthly payment.

- Real rollover: when a debt is paid off, its payment automatically moves to the next one, just like the real snowball method.

- Your debt-free date, months to pay off each debt, interest paid per debt, and a chart of your total debt going down.

- A 30-year month-by-month payoff schedule, calculated automatically.

- A Start Here sheet with simple instructions.

DETAILS

- Format: Excel workbook (.xlsx), instant download

- Works in Microsoft Excel 2016 or newer and Excel for Microsoft 365

- Example numbers included so you can see how it works; delete them and add your own

For personal budgeting and education only; not financial advice. Personal-use license: please don't resell or share the file.