Debt Payoff Tracker Spreadsheet | Debt Snowball and Avalanche Calculator | Google Sheets & Excel Template | Debt Free Date | Dark Mode

See your debt-free date and how much interest you save. Add your debts, pick Snowball or Avalanche, and this Debt Payoff Tracker builds your month-by-month plan. LIGHT and DARK MODE versions included.

WHAT'S INSIDE

- Start Here: simple step-by-step instructions

- My Debts: up to 10 debts, method, extra payment, debt-free date, months and total interest, with a chart

- Payoff Schedule: exactly what to pay on each debt, month by month

- Payment Log: every payment you make, with progress per debt

- Help & FAQ

FEATURES

✔ Snowball (smallest balance first) or Avalanche (highest interest first)

✔ Debt-free date and months to go

✔ Total interest, and how much the extra payment saves you vs. minimums only

✔ Payoff order and payoff date for each debt

✔ Progress bars as you pay

✔ Your total debt going down, in a chart

✔ No locked cells

HOW IT WORKS

1. List your debts with balance, APR and minimum payment.

2. Choose your method and extra monthly payment.

3. Follow the schedule and log your payments.

YOU WILL RECEIVE

✔ Light version template (.xlsx)

✔ Dark Mode version template (.xlsx)

✔ 2 DEMO files with sample data, so you can see how it works

✔ 1 PDF guide: how to open it in Google Sheets (free) or Excel

PLEASE NOTE

- This is a digital product. Nothing physical will be shipped.

- Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer / Microsoft 365.

- Not compatible with Apple Numbers.

- Due to the digital nature of this item, no returns, but please message us for any help.

- For personal use only (no resale or sharing of the file).