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Debt Payoff Tracker Spreadsheet | Debt Snowball Avalanche Calculator Excel Google Sheets | Debt Free Planner Printable | Instant Download

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  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP
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Debt payoff tracker spreadsheet for Excel and Google Sheets: enter your debts and it calculates snowball and avalanche side by side, month by month. Plus 9 printable sheets.

IT WORKS OUT BOTH METHODS AND TELLS YOU WHICH ONE IS CHEAPER

Type in your debts once: name, balance, interest rate, minimum payment. Add whatever extra you can find each month. The sheet does the rest.

It builds a full month by month schedule for both the snowball method and the avalanche method, up to ten debts and thirty years ahead, and puts them next to each other: how many months, how much interest, which one wins and by how much.

Every formula was tested against an independent simulation before this went on sale, including the awkward cases — equal balances, a zero percent debt, minimum payments too small to cover the interest. It warns you about that last one.

And because a spreadsheet cannot be stuck on the fridge, there are nine printable sheets in the same download: a debt inventory, color in trackers, a total debt thermometer, a payment log, a monthly check in and a milestones page.

WHAT YOU GET
· Video tutorial (103 seconds, with voice-over) — snowball versus avalanche, and the printables
· Debt_Payoff_Tracker.xlsx for Excel or Google Sheets, no macros
· Snowball plan and avalanche plan, month by month, up to 360 months
· Summary tab: months, total interest, total paid, and the difference
· Milestones tab: the month each individual debt disappears
· Balance chart, payment log and a My debts input tab
· 9 printable sheets in A4 and US Letter, two PDFs
· Visual trackers, debt thermometer, monthly check in, dividers

GOOD TO KNOW
· Works in Microsoft Excel, and in Google Sheets by uploading the file
· No macros and nothing to enable. Yellow cells are the ones you type in
· Up to ten debts. Leave rows empty if you have fewer
· Undated printables in A4 and US Letter, print at home
· A calculator and a set of worksheets, not financial advice
· Instant download after payment, nothing is shipped

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Listed on Aug 7, 2026
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