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Debt Payoff Planner, Snowball Avalanche Tracker, Google Sheets Spreadsheet

You can only make an offer when buying a single item

Highlights

  • Designed by Optimisheets
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 PDF

Get out of debt with a real plan, not guesswork. This Debt Payoff Planner for Google Sheets lets you list every debt, compare the snowball and avalanche methods side by side, and see exactly how many months until you are debt free.

Built for business owners, freelancers, and side hustlers carrying credit cards, business loans, student loans, or any mix of debt. Stop wondering which strategy is faster or cheaper. The spreadsheet does the math for you and shows you the answer.

WHAT YOU GET:

6 professionally designed tabs:

- Dashboard: Your debt freedom command center. Total debt, total minimum payments, highest interest rate, months to debt free, and total interest saved at a glance. Visual donut chart by creditor and a payoff timeline showing snowball vs avalanche.

- Debt List: Track every creditor with type, original balance, current balance, interest rate, minimum payment, due date, status, and priority. Dropdowns and conditional formatting flag your highest rate debts in terracotta.

- Snowball Method: Pays the smallest balance first for quick psychological wins. Shows the payoff order, months to payoff, total interest paid, and a monthly schedule.

- Avalanche Method: Pays the highest interest rate first for the lowest total cost. Shows order, months to payoff, total interest, and exactly how much you save versus snowball.

- Payment Log: Record every payment with date, debt, amount, type (regular or extra), new balance, and notes. Sample data shows you how to use it.

- Reference: Hidden tab that powers dropdowns and validation.

KEY FEATURES:

- Side by side snowball vs avalanche comparison
- Total interest saved calculator built in
- Payoff timeline chart that updates as you pay
- Debt by creditor donut chart
- Conditional formatting flags high interest debts
- Paid off debts highlight green automatically
- Dropdowns for debt type and status
- All formulas built in and auto-calculating
- Sample data included so you can see how everything works
- Professional formatting with branded color scheme
- Works with any currency

HOW TO USE:

1. Purchase and download the PDF
2. Open the Google Sheets link inside the PDF
3. Go to File > Make a Copy
4. Clear the sample data
5. Enter your debts on the Debt List tab
6. Compare Snowball and Avalanche tabs and pick your strategy
7. Log payments on the Payment Log tab as you go

Works with any currency. Google Sheets only. Works on any device with a browser.

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Reviews for this item

4.7

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience.

(3 reviews)

4.7 Item quality
5.0 Shipping
5.0 Customer service
100% Buyers recommend
5 out of 5 stars 5 This item

Jonathan May 23, 2026

Best decision I ever made.

Jonathan May 23, 2026

Response from OptimiSheets

Love to hear that, Jonathan.

4 out of 5 stars 4 This item

Savannah May 12, 2026

Great sheet! I am liking this sheet alot.

Savannah May 12, 2026

Response from OptimiSheets

Thank you very much, Savannah!

5 out of 5 stars 5 This item

Shelley May 4, 2026

I LOVE THIS PROGRAM SO MUCH

Shelley May 4, 2026

Response from OptimiSheets

Hey Shelley, we love your excitement ahaha. Thank you!

Optimisheets
OptimiSheets
Optimisheets ·

United States

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
86 sales
·
2 months on Etsy
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