Debt Payoff Planner Spreadsheet for Google Sheets – Snowball & Avalanche Calculator

Not sure which version you need? This is the complete Debt Payoff Planner — Snowball and Avalanche calculators, month-by-month payoff timelines, and a dashboard with your projected debt-free date and interest savings. Just want the basics? Try the Simple Debt Snowball Tracker ($4.99).

Crush your balance. Own the date.

Stop guessing which debt to pay off first. This planner runs the real math on both the Snowball method (smallest balance first, for fast wins) and the Avalanche method (highest interest first, for saving the most money) — side by side, using your actual numbers.

You'll see a full month-by-month payoff timeline for both strategies, plus a dashboard showing your projected debt-free date, total interest paid, and the time and money you could save by choosing one method over the other.

What you get:

• Two complete 10-year payoff schedules (Snowball and Avalanche), side by side
• A dashboard with your debt-free date, total interest, and savings comparison
• Every number is a live formula — update your balances anytime and the whole plan recalculates
• Works in Excel or Google Sheets — instant download, no waiting

Supports up to 6 debts. No spreadsheet skills needed — just enter your numbers and let the formulas do the work.