Free Debt Payoff Tracker — Snowball & Avalanche Spreadsheet for Excel & Google Sheets

See your debt-free date — free.

Paying off debt feels lighter when you can see the finish line. This free tracker from Sunday Ledger lets you try a real payoff plan at no cost. Enter up to three debts — the balance, the interest rate and the minimum payment — add what you can pay each month, and pick the snowball or avalanche method. The spreadsheet tells you the month you’ll be debt-free, how many months it takes and the interest you’ll pay along the way.

✦ What’s included

• Free Debt Payoff Tracker (.xlsx) for Excel and Google Sheets — free, no strings

• Track up to 3 debts, each with its balance, rate and minimum

• Snowball or avalanche — pick one, and the Dashboard compares both for your debts

• Your debt-free date, the months to get there and the total interest, worked out for you

• Your first win called out, and the month each debt is paid off

• A month-by-month Payoff Plan

• Four tabs: Start Here, Setup, Dashboard, Payoff Plan

• A one-page Welcome Guide (PDF) to get you set up in minutes

✦ How it works

1. Enter your email at checkout and download it free

2. Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets

3. List each debt in the terracotta-outlined cells and choose snowball or avalanche

4. Read your debt-free date on the Dashboard

✦ Who it’s for

Anyone with one, two or three debts who wants a clear plan without spending a cent — credit cards, personal loans, medical bills. If you can type a number, you can use this.

✦ Why you’ll like it

Most free debt calculators give you one number and stop. This one is a designed studio piece — calm colors, clear typography and a real dashboard — that shows the whole plan, month by month, and tells you which method saves more for your debts. It’s a genuine working tool, not a locked demo.

✦ Compatibility

• Microsoft Excel (Microsoft 365, 2019+, Mac & Windows)

• Google Sheets — upload the .xlsx to Google Drive and open it with Google Sheets

• No extra software, no subscriptions, nothing to install

✦ FAQ

Q: Is it really free? — Yes. Enter your email at checkout and download it, no cost.

Q: Do I need Excel? — No. It works in Excel and in Google Sheets.

Q: How many debts can I track? — Up to 3, and you can rename each one.

Q: Snowball or avalanche? — Both. Pick one on the Setup tab; the Dashboard shows which one saves more for your debts.

Q: Can I get more later? — Yes. The full Debt Payoff Tracker adds up to 10 debts, a minimum-only comparison and a Midnight Pine dark mode.

⬇ Instant download

This is a free digital product — nothing ships. Enter your email at checkout and two files land in your order email and your Payhip account: the .xlsx and a one-page Welcome Guide PDF.

Terms of use

Free to use and to share as it is. Please do not resell it or edit it for resale. All designs © Sunday Ledger.

Money, sorted on a Sunday.

Questions? Message the shop — happy to help. — Sunday Ledger