Debt Payoff Tracker Google Sheets | Avalanche Method Spreadsheet | Auto-Sorting Priority | What-If Simulator | Instant Download

**💳 Debt Payoff Tracker — Google Sheets Edition (Avalanche Method)**

The same debt-free strategy as our HTML Debt Payoff Tracker, rebuilt as a live Google Sheets spreadsheet. List your debts once, and every formula — priority order, payoff date, interest saved — recalculates itself as you go.

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**✨ WHAT YOU GET**

✅ 25 built-in debt slots, ready to fill in
✅ Avalanche Method — auto-ranks debts by highest interest rate first
✅ Live progress bars for every debt (no add-ons needed)
✅ Payoff Timeline — estimated months & date per debt, built with real amortization math
✅ Interest-rate tags (High / Mid / Low) at a glance
✅ 🚀 What-If Simulator — see how many months an extra payment saves you
✅ Auto-sorted "Attack Order" table (Google Sheets SORT/FILTER)
✅ Full Dashboard — total remaining, total paid, weighted avg. interest rate, debt-free ETA
✅ Color-coded, protected cells — formulas can't be accidentally overwritten
✅ Works in Google Sheets AND Excel

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**📦 FILES INCLUDED**

• DebtPayoffTracker_GoogleSheets.xlsx — the spreadsheet (import into Google Sheets or open in Excel)
• Instructions.html — full user guide

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**🚀 HOW IT WORKS**

1. Download the .xlsx file
2. Upload it to Google Sheets (File → Import → Upload) or open it directly in Excel
3. Demo debts are pre-loaded so you see it working immediately
4. Delete the demo rows and add your own debts — name, balance, amount paid, interest rate
5. Set your real monthly payment per debt and watch the priority order and payoff dates update instantly

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**⚡ WHAT IS THE AVALANCHE METHOD?**

Pay the minimum on every debt, but send any extra money to the debt with the highest interest rate first. Once that one's gone, move to the next. Result: less total interest paid, and you're debt-free faster than any other payoff order.

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**📊 KEY FEATURES**

• Total debt remaining & total paid, always visible
• Weighted average interest rate across all debts
• Automatic Avalanche priority ranking
• Payoff timeline with estimated date per debt
• What-If simulator for extra payments
• 🎉 Row highlights automatically when a debt is fully paid off

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**🔒 100% PRIVATE & OFFLINE-CAPABLE**

Your data lives in your own Google Sheets copy or local Excel file — nothing is sent anywhere.

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**❓ FAQ**

Q: Do I need a Google account?
A: To use Google Sheets, yes (it's free). The file also works fully in Microsoft Excel.

Q: Does the auto-sorting work in Excel?
A: The core spreadsheet (all debt math, KPIs, payoff dates) works identically in Excel. One bonus table (auto-sorted attack order) uses a Google Sheets–only function and may show an error in classic Excel — everything else is unaffected.

Q: Can I track more than 25 debts?
A: Yes — just insert more rows following the same pattern.

Q: What if I want to use the Snowball method instead?
A: Just work through your debts smallest-balance-first and ignore the priority numbers — every other formula still works.

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**⭐ PLEASE LEAVE A REVIEW**
Your review helps other buyers on their debt-free journey. Thank you! 🙏

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*Instant digital download — no physical product shipped.*