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Debt Snowball Spreadsheet, Snowball Method, Debt Avalanche, Debt Payoff Tracker Excel Google Sheets, Debt Payoff Chart, Debt Spreadsheet

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Begin your debt payoff journey today by using this Debt Snowball Spreadsheet. Fortunately, this Debt Snowball Spreadsheet also functions as a Debt Avalanche Spreadsheet. Yes, that means you have the ability and flexibility to transition between the Debt Snowball and Debt Avalanche payoff strategy in one spreadsheet. Additionally, you can make payments on any specific day for each of your 20 debts. Flexibility to adjust interest rates if the interest rate for your debt changes and change minimum payments at any time during your debt payoff journey.

Extra payments, known as the Snowflake Strategy, are also included as part of each debt tab. Add extra random payments when your income or wages increases. If you receive a bonus or tax refunds, feel free to add an additional extra payment to any debt. The goal of this spreadsheet is to offer the detail and accuracy users need to accurately determine their projected debt payoff timeframe. There is a lot this Debt Payoff Spreadsheet offers!

DEBT SNOWBALL & DEBT AVALANCHE EXPLANATION

Debt Snowball strategy pays off your smallest debt first, while the Debt Avalanche strategy pays off your highest interest rate debt first.

WHY THIS SPREADSHEET IS IMPORTANT
- The goal of this spreadsheet is to be accurate. Different debts have may have different billing cycles, different payments dates, interest may be either compounded or simple, and the interest rate could potentially change. This spreadsheet allows this variability to occur while at the same time focusing on accuracy. Allowing the user to calculate the payments made and interest incurred in each billing cycle to agree to debt statements. For example, users should be able to calculate the payments and interest incurred on their debt for each billing cycle and agree the beginning and ending balance to each statement.

WHAT TABS ARE IN THE FILE
- Debt Dashboard
- Payment Schedule
- Debt 1 through Debt 20 (the other 20 tabs since each debt has its own printable debt tab)

WHAT ARE THE FEATURES
- Track 20 debts up to 29-30 years
- Monthly and customized billing cycles, depending on your specific debt's billing cycle (1/1-1/31 billing cycle vs 1/8-2/7 billing cycle)
- Printable debt tabs
- Estimate payoff date based on either the Debt Snowball or Debt Avalanche strategy, not just the minimum payments

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