Debt-Free Date! — Debt Payoff Calculator Spreadsheet

🎁 FREE SAMPLE: Grab a free printable sample pack here: https://payhip.com/b/fnCTq — then come back for the full set!

Debt-Free Date! — Debt Payoff Calculator Spreadsheet

See your debt-free date — and watch it move closer. Enter your debts once, choose avalanche or snowball, and this working spreadsheet builds your month-by-month payoff plan with live formulas. No math to do by hand: interest, payments, and balances calculate for you in Excel or Google Sheets.

IMPORTANT — FORMAT: This is a spreadsheet for Excel / Google Sheets (.xlsx), NOT a printable PDF. The PDF in this download is only the short user guide. The calculator itself is the spreadsheet file.

WHAT'S INSIDE

• Start Here sheet — plain-English setup in minutes; yellow cells are where you type, gray cells calculate for you

• My Debts sheet — list up to 15 debts: name, balance, APR, and minimum payment, plus your monthly extra payment

• Strategy toggle — switch between Avalanche (highest APR first, usually least interest) and Snowball (smallest balance first, quick wins) and compare

• Payoff Plan sheet — a full month-by-month schedule computed by real formulas: interest each month, how each payment is split, and running balances for every debt

• Your results at a glance — debt-free date, total interest paid, and months to debt-free

• Progress sheet — log the payments you actually make and track your remaining balance over time

• Sample debts are pre-filled so you can see it working right away — just type over them with your own

DETAILS

• $24.99 — instant digital download

• Files: 1 spreadsheet (.xlsx, Excel + Google Sheets compatible) + 1 PDF user guide

• Works in Microsoft Excel and Google Sheets (guide shows File > Import steps)

• When the pages fill up, print more — the file is yours for good. Use it month after month, year after year.

• Educational money-organization calculator only. This is a calculator, not financial advice.

This is a digital download — no physical item will be shipped.

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