Debt Payoff Tracker Spreadsheet | Snowball, Avalanche Planner (Google Sheets, Excel)

Pay off your debt with a plan you can actually see. The Lizara Debt Payoff Tracker gives your household one warm, simple place to list every debt, pick a payoff strategy, and watch the finish line get closer every month.

Pay off your debt with a plan you can actually see. The Lizara Debt Payoff Tracker gives your household one warm, simple place to list every debt, pick a payoff strategy, and watch the finish line get closer every month.

List your balances, choose Snowball (smallest first, for quick wins) or Avalanche (highest APR first, for maximum savings), and the spreadsheet does the math — your debt-free month, total interest paid, and a month-by-month projected balance for every debt. It works in both Microsoft Excel and Google Sheets.

★ WHY FAMILIES LOVE IT
• Pick Snowball or Avalanche with a single dropdown — flip back and forth to compare
• Set an extra monthly amount to put toward debt and see how many months it saves you
• Paid-off minimum payments automatically roll into your next debt — the classic snowball effect
• See your total interest and exact debt-free month update the moment you change a number
• Pre-filled with realistic example debts so it makes sense the second you open it
• Projects up to 10 years (120 months) for every debt in your plan

★ WHAT'S INCLUDED
• Dashboard — total debt, blended APR, total interest, months until debt free, and a balance-over-time chart
• Debts — list every debt with balance, APR, minimum payment, and type (credit card, student loan, auto, medical, personal, other)
• Strategy — pick Snowball or Avalanche and set your extra monthly payment, with the payoff order shown live
• Payoff Plan — month-by-month projected balance for every debt, all the way to zero
• Interest Saved — your total paid, total interest, and months until debt free at a glance
• A "Start Here" guide built right into the file

★ HOW IT WORKS
1. List every debt — balance, APR, and minimum payment
2. Pick Snowball or Avalanche on the Strategy tab
3. Set an extra amount you can put toward debt each month
4. Watch your debt-free date and total interest drop

★ INSTANT DIGITAL DOWNLOAD
This is a digital product — nothing will be shipped. Right after purchase you can instantly download the spreadsheet file (.xlsx).

★ WORKS IN EXCEL & GOOGLE SHEETS
Use it in Microsoft Excel (desktop, 2016 or newer recommended), or use it free in Google Sheets — just upload the file to Google Drive and open it with Google Sheets. It is not designed for the Excel mobile app or Apple Numbers.

★ A NOTE ON DIGITAL ITEMS
Because this is an instant download, all sales are final and no refunds are offered. But if anything ever looks off with your file, just message us — we'll happily make it right.

★ HOW THIS WAS MADE
Every Lizara template is built using AI-assisted authoring with Anthropic's Claude, then formula-verified, hand-curated, and brand-finished by our family before publishing. We share this openly in the spirit of Etsy's seller policy on AI-assisted listings. The result is the same quality you'd expect from a careful designer — produced more efficiently so we can keep prices accessible for families.

For personal use only. Please don't resell, share, or redistribute the file or its design.

Thank you for supporting our small family business. — The Lizara familyist your balances, choose Snowball (smallest first, for quick wins) or Avalanche (highest APR first, for maximum savings), and the spreadsheet does the math — your debt-free month, total interest paid, and a month-by-month projected balance for every debt. It works in both Microsoft Excel and Google Sheets.

★ WHY FAMILIES LOVE IT
• Pick Snowball or Avalanche with a single dropdown — flip back and forth to compare
• Set an extra monthly amount to put toward debt and see how many months it saves you
• Paid-off minimum payments automatically roll into your next debt — the classic snowball effect
• See your total interest and exact debt-free month update the moment you change a number
• Pre-filled with realistic example debts so it makes sense the second you open it
• Projects up to 10 years (120 months) for every debt in your plan

★ WHAT'S INCLUDED
• Dashboard — total debt, blended APR, total interest, months until debt free, and a balance-over-time chart
• Debts — list every debt with balance, APR, minimum payment, and type (credit card, student loan, auto, medical, personal, other)
• Strategy — pick Snowball or Avalanche and set your extra monthly payment, with the payoff order shown live
• Payoff Plan — month-by-month projected balance for every debt, all the way to zero
• Interest Saved — your total paid, total interest, and months until debt free at a glance
• A "Start Here" guide built right into the file

★ HOW IT WORKS
1. List every debt — balance, APR, and minimum payment
2. Pick Snowball or Avalanche on the Strategy tab
3. Set an extra amount you can put toward debt each month
4. Watch your debt-free date and total interest drop

★ INSTANT DIGITAL DOWNLOAD
This is a digital product — nothing will be shipped. Right after purchase you can instantly download the spreadsheet file (.xlsx).

★ WORKS IN EXCEL & GOOGLE SHEETS
Use it in Microsoft Excel (desktop, 2016 or newer recommended), or use it free in Google Sheets — just upload the file to Google Drive and open it with Google Sheets. It is not designed for the Excel mobile app or Apple Numbers.

★ A NOTE ON DIGITAL ITEMS
Because this is an instant download, all sales are final and no refunds are offered. But if anything ever looks off with your file, just message us — we'll happily make it right.

For personal use only. Please don't resell, share, or redistribute the file or its design.

Thank you for supporting our small family business. — The Lizara family