Debt Payoff Tracker Spreadsheet, Debt Snowball and Avalanche Calculator, Payoff Planner with Progress Bars, Excel

Debt payoff tracker spreadsheet: list your debts once and get a month-by-month payoff plan with the snowball or avalanche method, your debt-free date, the interest you save, and a payment log with a progress bar for every debt.

WHAT IT DOES
- Your debts: up to 15 debts with balance, interest rate (APR) and minimum payment. Credit cards, store cards, car loans, student loans, personal loans, medical bills
- Pick a method: Snowball (smallest balance first), Avalanche (highest interest rate first) or Custom (your own order)
- Rollover built in: your monthly budget (all minimums plus your extra amount) stays the same, so every paid-off debt's payment rolls into the next one
- Dashboard: total debt, months to debt-free, your debt-free date and the interest you will pay
- Compare: snowball, avalanche and custom side by side, plus paying only the minimums, with how much each method saves
- Each debt: pay-off order, the month it will be paid off, what you have paid so far, the balance now and a progress bar
- Payment log: record each payment and any interest or fees from your statement, and the balances update by themselves
- Chart: total left to pay under your plan vs minimums only
- Full month-by-month plan for each method, up to 30 years. Works in any currency

WHAT YOU GET
- Debt-Payoff-Tracker.xlsx (blank)
- Debt-Payoff-Tracker-with-Sample-Data.xlsx (a filled-in example: 6 debts, two months of payments)
- Quick-start guide (PDF)

HOW YOU GET IT
Digital download. Your files are available right after purchase from your Etsy Purchases page. Nothing is shipped.

COMPATIBILITY
- Microsoft Excel 2016 or newer (Windows or Mac) and Excel for the web
- Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets
- Needs a computer or tablet with a spreadsheet app. This is not an app or a printable planner

PLEASE NOTE
Interest is worked out monthly (APR divided by 12) and rounded to the cent, so the plan is close to your statements but not exact. A planning tool, not financial advice. For personal use; please don't resell or share the files.

DISCLAIMER
This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them. Sold as is: because this is an instant digital download, all sales are final, with no returns, exchanges or refunds. If a file is damaged or won't open, message us and we'll send you a working copy.

HOW IT WAS MADE
Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and the sample file shows each tab working.

QUESTIONS
Message us through Etsy and we'll help you get set up.