Debt Snowball Spreadsheet — Payoff Tracker with Snowball & Avalanche Views

🔥 Debt Snowball Spreadsheet: Instant Download

List every debt, order them snowball or avalanche style and log each payment.

A debt payoff tracker in one Excel workbook: 6 working tabs plus Instructions and Disclaimer, in one file that is yours to keep.

✨ What It Does for You

• See every debt with balance, APR and minimum, with totals
• Compare snowball and avalanche orders side by side
• Log each payment split into principal and interest
• Celebrate payoffs with milestones and a dashboard

📦 What's Inside

• Instructions and Disclaimer: start month, extra payment budget, and currency, a 7-step how-to, a sheet map, and a plain-language disclaimer
• Debt Inventory: each debt’s balance, APR, minimum payment, due day, type, and lender, with totals
• Snowball Order and Avalanche Order: two optional layouts, smallest balance first and highest APR first, each with a column to mark where your extra payment goes
• Payment Log: date, amount paid, toward principal, toward interest, and new balance
• Milestones and Dashboard: payoff wins with amount freed and a reward idea, plus a dashboard of debt count, total balance, total minimums, payments logged, and your Snowball focus debt

💡 Who This Is For

• Anyone paying down credit cards, loans, or medical bills
• People comparing snowball and avalanche layouts
• Couples who want one shared record of balances and payments

🔄 Before and After

• Before: Balances and due dates spread across statements. After: One Debt Inventory with balance, APR, minimum, and due day
• Before: Not sure which debt to focus on next. After: Snowball and Avalanche layouts with a column to mark your focus debt
• Before: Payments you can’t account for later. After: A Payment Log split into principal, interest, and new balance

⚡ Get Started in Minutes

• Download the .xlsx and open it in Excel or Google Sheets
• Enter your extra payment budget
• List your debts
• Pick an order and log payments
• Pick from the dropdowns as you fill it in

Instant Excel tracking tool: not financial, legal, credit, or debt-relief advice; no payoff method is recommended. Verify figures and terms with your lenders.

Sample data is fictional. Replace it with yours.

🔒 Instant Access

Once you purchase, you get immediate access to your file. It is yours to keep.

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— Kyle P. Herrick, Founder

✔️ Satisfaction Guarantee

If this template doesn’t help you save time or improve your workflow, message me and I’ll make it right. Your success matters.

💬 Need Help?

Message me anytime. I’m here to help you get the most out of your templates. Email herrickkyle87@outlook.com.

Start your payoff plan today. Click Buy Now.