Debt Payoff Planner Spreadsheet | Snowball and Avalanche Tracker | Debt Free Planner for Excel and Google Sheets | Budget Template

Get a real date for your debt-free day, and watch it move closer.

This planner takes the debts you already have and turns them into a month-by-month payoff plan using the two methods that actually work: Snowball (smallest balance first, quick wins) and Avalanche (highest interest first, least money wasted). You fill in your debts once. The planner does the rest.

WHAT YOU GET

- Debts tab: enter each debt, balance, APR, and minimum payment; totals calculate themselves

- Strategy tab: your debts ranked both ways, side by side, so you can pick your method

- Payoff Tracker: 48-month schedule showing every balance shrinking, with interest included, and freed payments rolled into the next debt

- Start Here tab with plain-language instructions

YOU ONLY TYPE IN THE YELLOW CELLS. Every total, ranking, and schedule is a live formula. No macros, nothing to install.

WORKS WITH: Microsoft Excel and Google Sheets (upload to Drive and open with Sheets).

GOOD TO KNOW

- Tracks up to 14 debts on the Debts tab; the monthly tracker follows the first 8 (reorder the list to put your target debts first)

- Instant download, no physical product

- One household per purchase; please do not share or resell the file

- Questions before buying? Message the shop. We answer fast.

Designed by a seller with AI assistance, then reviewed, tested, and finished by a human. This is an original template, not a resold or copied file.