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Debt Payoff Tracker Google Sheets Template, Debt Snowball & Avalanche Calculator, Debt Free Planner with Payoff Schedule

Caleb Schweinsberg

Designed by Caleb

CalebsTemplates ·

Louisville, Kentucky

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Highlights

  • Designed by CalebsTemplates
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 2 PDF

See exactly how and when you'll be debt-free. List your debts, pick Snowball or Avalanche, add an extra monthly payment, and this Google Sheets Debt Payoff Tracker shows your payoff order, your debt-free date, the interest you'll pay and how much you'll save compared with paying only the minimums.

━━━ WHAT YOU GET ━━━
• A START-HERE PDF with two "Make a copy" buttons:
– Ready-to-use copy for your own debts
– Sample copy filled with a made-up set of debts, so you can see how it works
• A step-by-step PDF guide (setup, every tab, FAQ, troubleshooting)

━━━ WHAT'S INSIDE ━━━
DEBTS – up to 10 debts
• Balance, APR and minimum payment for each
• Your balance now, % paid off, payoff order, payoff date and interest paid are worked out for you

PLAN – your strategy in one place
• Pick Snowball or Avalanche and an extra monthly payment
• See your monthly budget, debt-free date, total interest and total paid
• The same with minimums only, and the interest and months you save

SCHEDULE – month by month until you're debt-free (up to 30 years), built with formulas only

PROGRESS – log each payment with your new balance
• % paid off and a chart of starting balance vs balance now
• The plan updates from your latest balances

START HERE – a 4-step setup checklist and a color guide

━━━ HOW THE PLAN WORKS ━━━
Every month each debt gets its interest and its minimum payment. Your monthly budget (all minimums plus your extra payment) stays the same, so when a debt is cleared its minimum rolls into the next debt. Your extra goes to the first debt in the payoff order: smallest balance first for Snowball, highest interest rate first for Avalanche.

━━━ PERFECT FOR ━━━
Anyone paying off credit cards, car or student loans, medical bills, store cards or a small business's debts who wants a clear plan and a finish line.

━━━ HOW IT WORKS ━━━
1. Buy and download the START-HERE PDF
2. Click a button while signed in to Google, then "Make a copy"
3. Open your copy and follow the 4 setup steps on the Start Here tab

━━━ GOOD TO KNOW ━━━
• Google Sheets only: you need a free Google account. This is not an Excel file.
• Works in any browser on a computer, tablet or phone. Setup is easiest on a computer.
• Nothing to install, no add-ons, no scripts.
• A planning tool, not financial advice. The schedule charges interest monthly (balance x APR / 12), so it won't match a lender's daily-interest statements to the cent.
• Up to 10 debts and 30 years. Prices show in dollars; the guide shows how to switch currency.
• Screenshots show the sample copy with made-up data.

━━━ LICENSE ━━━
For use by one person or one business. Please don't resell, share or redistribute the template or its links. Digital download: no physical item will be shipped. Because it's a digital file, returns aren't accepted, but if something isn't working, message me and I'll help.

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Listed on Sep 30, 2026
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