Debt Payoff Planner 2027 Spreadsheet

List your debts once and see your debt-free date. This debt payoff planner builds two complete month-by-month plans, avalanche (highest rate first) and snowball (smallest balance first), shows which one saves you more, and tells you exactly which debt to pay next.

WHAT YOU GET

• Dashboard: total debt, your debt-free date, months to go, total interest, and how much you save compared with the other method and with paying minimums only
• Payoff order: which debt to pay first, and the month each one is gone
• Avalanche vs snowball vs minimums only, side by side: debt-free date, total interest and first payoff
• A chart of your plan against paying minimums only
• A full month-by-month schedule for both methods: interest, minimum, extra payment and balance for every debt, up to 30 years
• Checks in plain words, including any minimum payment that doesn't cover its interest
• Up to 10 debts: credit cards, car loans, student loans, personal loans, medical bills

HOW IT WORKS

1. Type each debt's balance, interest rate and minimum payment.

2. Type any extra you can pay each month ($0 works too).

3. Read your plan. Every paid-off payment rolls into the next debt automatically.

FORMAT

Excel (.xlsx). Works in Google Sheets (free) and Microsoft Excel. Opens with sample data so you can see it working; clear it in seconds. Formulas are protected (no password), so nothing breaks while you type. Instant download.

WHO MADE THIS

Built by someone who develops pricing and financial models for multi-million-dollar enterprise contracts for a living. Same discipline, made simple for paying off your debt.

GOOD TO KNOW

• Digital download: nothing is shipped.
• For personal use. Please don't resell or share the file.
• For planning only, not financial advice. Lenders may calculate interest slightly differently.
• Questions? Message the shop or email tidyrate@outlook.com.