Debt Payoff Kit — Snowball & Avalanche Planner + Progress Tracker (Excel + Google Sheets)

Debt feels overwhelming when it's scattered across cards, loans, and statements. This kit puts it all in one place and hands you a clear plan. List your debts, see them ranked two proven ways, and track your progress to $0. Works in Google Sheets and Excel — no finance skills needed.

WHAT'S INSIDE (5 easy tabs):

Start Here — a simple guide and color legend so you know exactly where to type.

Debt-Free Dashboard — total debt, monthly payment and % paid off at a glance; it updates itself.

My Debts — list every debt and instantly see your Snowball order (smallest balance first) AND Avalanche order (highest interest first), plus months-to-payoff for each.

Progress Tracker — update each month and watch your balance fall toward zero.

Method & Tips — snowball vs. avalanche explained, plus 5 ways to find extra money.

WHY YOU'LL LOVE IT:

Works in Google Sheets (free) AND Microsoft Excel.

All the math is built in — snowball order, avalanche order, and payoff timelines calculate automatically.

Both payoff methods in one file — pick what works for you.

A visible progress tracker that keeps you motivated.

Instant digital download.

HOW TO USE IN GOOGLE SHEETS: Download the file, open Google Drive, click New then File Upload, then right-click the file, Open with, Google Sheets.

Digital download — nothing is shipped. For personal use. A budgeting tool, not financial advice.