Debt Snowball Spreadsheet, Biweekly Debt Payoff Tracker, Google Sheets Budget Planner, Light & Dark Mode

Debt snowball spreadsheet and biweekly debt payoff tracker for Google Sheets: know exactly what to pay from every paycheck, and the day you'll be debt-free. Two looks included: Sage and Dark Mode.

🌱 WHY IT WORKS
You're not bad with money. You just never had a tracker that matched your paycheck. Monthly templates leave you doing mental math every two weeks and still feeling behind. This planner builds your payoff plan around your real pay dates and shows the number shrinking.

🙋 WHO IT'S FOR
✔ You're paid weekly, biweekly or twice a month
✔ You're juggling a few debts: credit cards, a car, student loans
✔ Monthly budget templates never match your pay
✔ You want a clear debt-free date without writing a single formula

⭐ WHY IT'S DIFFERENT
Most debt trackers plan by the month. This one plans by your paycheck: it tells you what to pay from each one, in the right order, all the way to your debt-free date. Log a payment and everything updates by itself.

🎨 TWO LOOKS, ONE PRICE
✔ Sage: soft green and cream, calm and bright
✔ Dark Mode: dark surfaces with green and warm gold, easy on the eyes at night
Same planner, same features. Use the one you like, or both.

📘 WHAT'S INSIDE (14 tabs)
✔ Dashboard: your debt-free date and countdown, what to pay next, a card for every debt in payoff order, progress charts
✔ Choose Your Strategy: Snowball, Avalanche, Credit Score Focus or your own order, with pros and cons, and each method's debt-free date and total interest side by side
✔ Biweekly Paycheck Planner: 78 paychecks (3 years) matched to your pay dates
✔ Debts: up to 20, with balance, interest rate, minimum payment and due day
✔ Payment Log: just the date, debt and amount; principal, interest and balances calculate themselves
✔ Payday Calendar: paydays, due dates and savings goals in one month view
✔ Phone tab: the numbers that matter in two narrow columns, made for the free Google Sheets app
✔ Import tab: paste your bank's CSV export and match it to your debts. No bank login, ever
✔ What-if calculator: see your new payoff date and the interest you save with a little extra per paycheck
✔ Progress thermometers, and Milestones & Rewards from 10% to 100% paid off
✔ Sinking Funds: set aside a little each paycheck for Christmas, insurance or repairs so they never hit a credit card
✔ Assets & Net Worth: live prices for stocks, funds and crypto, and your net worth now and in 12 months
✔ Color-coded cells: yellow (Sage) or gold (Dark Mode) = you type. Everything else is automatic, so nothing breaks

🎁 FOUR COPIES INCLUDED
For each look you get an Example, pre-filled so you can click around and see how everything connects, and a Blank to start for real.

💡 HOW IT WORKS
Instant digital download: a PDF with your copy links, plus a scannable code for each. Sign in to Google, click a link, choose Make a copy, and type your debts into the colored cells. No formulas to fix, no finance degree needed.

📌 GOOD TO KNOW
• Google Sheets only (not Excel). A free Google account is all you need.
• Works in any currency ($, €, £, CA$…) and date format with one setting.
• Your data stays in your own Google Drive. We never see it.
• Instant download, so no returns. If anything doesn't work, message us and we'll make it right.
• For personal use. Not financial advice.

🌿 MORE DIMESPROUT SHEETS
• Paycheck Budget Planner: https://www.etsy.com/listing/4583208149/paycheck-budget-planner-google-sheets
• Sinking Funds Tracker: https://www.etsy.com/listing/4583218998/sinking-funds-tracker-google-sheets-save
• Live Net Worth Tracker: https://www.etsy.com/listing/4583159097/live-net-worth-tracker-stock-and-crypto
• Investment Portfolio Tracker: https://www.etsy.com/listing/4583159651/investment-portfolio-tracker-live-stock
• All five in one bundle (save almost half): https://www.etsy.com/listing/4583233329/budget-spreadsheet-bundle-google-sheets

💬 QUESTIONS?
Message us any time, we're happy to help.