Debt Payoff Planner — Snowball and Avalanche Debt Payoff Spreadsheet

**Debt Payoff Planner — Snowball and Avalanche Debt Payoff Spreadsheet**

One extra payment a month, aimed at the right debt, is the fastest honest way out of debt. This planner lists every debt you owe, works out your blended interest rate, shows the snowball order (smallest balance first) next to the avalanche order (highest APR first), and tracks the balance falling month by month until it hits zero.

Pay minimums on everything, throw every spare dollar at debt #1, then roll its whole payment onto #2. The planner does the maths: months to pay off each debt, total interest for each method, and your estimated debt-free date.

**What you get:**

- My Debts — every debt with balance, APR and minimum payment; totals and your blended APR

- Snowball Plan — smallest balance first, with months to pay off and interest for each debt

- Avalanche vs Snowball — highest APR first, side by side with the snowball, so you can see which saves more

- Monthly Progress — 12 months of balance, interest, payment and principal, plus your estimated debt-free date

- README sheet — 5-minute setup guide, no macros, no add-ins

**How it works:**

Yellow cells are the only ones you type in. Everything else is a formula. Works in Microsoft Excel 2016 and newer, and in Google Sheets (File > Import > Upload). No sign-in, no subscription, no macros.

**Who it is for:**

Anyone carrying more than one debt who wants a clear order to attack them in — credit cards, personal loans, student loans, car loans — and a date to look forward to when the balance hits zero.

You get: 1 Excel file (.xlsx), 5 sheets, instant download. For personal use only.