Debt Payoff Tracker | Google Sheets Debt Snowball & Avalanche Calculator | Debt Free Planner Spreadsheet, Credit Card and Loan
What to know
Digital download
Digital file type(s)
1 PDF
For a long time I watched people I care about make minimum payments and feel like the balance never moved. The hardest part was not the money, it was not being able to see the finish line. So I built the tool I wished they had: one clean Google Sheet where you enter your debts, choose how you want to attack them, and instantly see the exact month you will be free and what to pay along the way.
This is that dashboard, built for anyone ready to get out of debt with a real plan instead of a guess.
WHAT IT DOES:
Enter each debt once, set an extra monthly payment, and pick your method. The sheet builds your whole plan: your debt-free date, the total interest you will pay, how much you will save, and exactly what to pay on each debt this month. Everything updates as you type.
WHAT'S INSIDE (connected tabs):
- Start Here — set your currency, start date, extra payment, and method
- Dashboard — debt-free date, interest saved, progress bars, and live charts
- Debts — up to 20 debts, with each one's payoff date filled in for you
- This month's plan — exactly what to pay on each debt, right now
- Payoff order — the order your debts disappear, with dates
- Tracker — log real payments and watch your progress fill in
BOTH METHODS, ONE SWITCH:
Choose the debt snowball (smallest balance first, for quick motivating wins) or the debt avalanche (highest interest rate first, to pay the least overall), or set a custom order. The dashboard shows both methods side by side, so you can see the difference in months and in interest before you decide.
WHY I LOVE IT:
It runs like software but stays calm and simple. Automatic calculations, live charts, progress bars that fill as you pay, and a layout you will actually want to open. Seeing the balance line fall toward zero is the best kind of motivation.
WHO IT'S FOR:
Anyone paying off credit cards, student loans, a car, medical bills, or personal loans, who wants a clear plan and a real date to be debt-free.
HOW IT WORKS:
1. Buy and download instantly
2. Open the access file and click the link to make your own copy in Google Sheets
3. On the Start Here tab, set your currency, extra payment, and method
4. Enter each debt on the Debts tab
5. Open the Dashboard to see your debt-free date and this month's plan
WHAT YOU GET:
- A PDF with your instant link to copy the Google Sheet, plus a quick-start guide
- The full debt payoff dashboard, yours to keep and reuse
- Works in Google Sheets (free) and downloads to Excel if you prefer
- Any currency, on your computer, tablet, or phone
IMPORTANT:
This is a digital download, so no physical item is shipped and all sales are final. It is a planning tool to help you make confident decisions about your own numbers, not financial advice. Interest figures are estimates based on the rates you enter. If anything is unclear or a file will not open, message me and I will make it right.
Wishing you a clear plan and a real debt-free date.
- Sophia, Aligned & Organised
Price:$4.83
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