Debt Snowball & Avalanche Calculator Spreadsheet

Compare snowball and avalanche payoff plans and see your debt-free date in Excel or Google Sheets.

See the exact month you become debt-free, and how much interest you save. List your debts, add what extra you can pay, pick Snowball or Avalanche and the sheet does the rest.

• Up to 12 debts: balance, interest rate (APR), minimum payment
• Snowball (smallest balance first) or Avalanche (highest rate first), switchable in one click
• Debt-free date, total interest, and interest + months saved versus paying only the minimums
• Payoff date for every debt, with payments rolling over automatically
• Chart of your total debt over time and a 20-year month-by-month schedule

Works in Excel and Google Sheets. No macros, no subscriptions, instant download. English and Spanish versions included. Simplified monthly interest; not financial advice.