Debt Payoff Tracker Spreadsheet | Snowball & Avalanche Method | Google Sheets Template | Debt Free Planner

Take control of your debt with this easy-to-use Debt Payoff Tracker. Whether you prefer the Debt Snowball or Debt Avalanche method, this Google Sheets template calculates your optimal payoff order and shows exactly when you will be debt-free.

WHAT IS INCLUDED
- Debt Snowball calculator — pay off smallest balances first to build momentum
- Debt Avalanche calculator — pay off highest-interest debt first to save the most money
- Payoff timeline showing your exact debt-free date
- Monthly payment log to track every payment as you go
- Progress bar for each debt so you can see how far you have come
- Instructions tab with step-by-step setup guide

HOW IT WORKS
1. Enter each debt (name, balance, interest rate, minimum payment)
2. Choose snowball or avalanche method
3. Enter your extra monthly payment amount
4. The template calculates your payoff order and timeline automatically

Works with Google Sheets (free). No special software needed.

After purchase, you will receive a link to make your own copy of the Google Sheet. You can enter your own data immediately.

Perfect for: credit card debt, personal loans, auto loans, student loans, medical bills.

📥 ACCESS YOUR TEMPLATE: https://docs.google.com/spreadsheets/d/1sB4Lhok4BxrRMvd8KHsF_mlVMU1DelK9liqnPbeCjlM/copy