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Debt Payoff Tracker Spreadsheet | Debt Snowball & Avalanche Calculator (Excel + Google Sheets)

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Highlights

  • Designed by JobCostLab
  • Digital download
  • Digital file type(s): 1 PDF, 1 other file

Know the exact month you will be debt-free, what to pay every month to get there, and watch your progress as each debt disappears.

Enter your debts once. This spreadsheet builds your payoff plan with both popular methods, Debt Snowball and Debt Avalanche, compares them side by side, and shows how much faster and cheaper each one is than paying the minimums. Then a Progress Tracker keeps you going: type each new statement balance and the progress bars fill.

It is a real calculator, not a coloring chart: every month is worked out with interest, and when a debt is paid off its payment rolls into the next one automatically.


WHAT YOU GET

- Your debt-free date and how many months it takes
- Total interest for Snowball, Avalanche and minimums only
- How much interest you save, and how many months sooner you finish
- When each individual debt is paid off, and the interest it costs you
- A Monthly Plan: exactly what to pay on each debt, every month, until you are done
- A Progress Tracker with a bar for every debt, milestones (25%, 50%, 75%) and a payment log that shows if you are ahead of plan
- A chart of your total debt falling month by month
- A warning if a minimum payment does not even cover the interest


WHAT'S INSIDE (8 tabs)

1. Start Here - plain-English setup, about 2 minutes
2. My Debts - up to 10 debts: name, balance, interest rate (APR) and minimum payment
3. Your Plan - debt-free date, interest saved, both strategies compared
4. Monthly Plan - what to pay on each debt every month, with a Done column to tick off
5. Progress - update balances, watch the bars fill, log what you actually paid
6. Snowball - full month-by-month schedule, smallest balance first
7. Avalanche - full month-by-month schedule, highest interest first
8. Minimum Only - what paying only the minimums would cost you


HOW IT WORKS

1. Enter your debts from your statements.
2. Enter what extra you can pay each month. Even $25 moves the date.
3. Pick Snowball or Avalanche, follow your Monthly Plan, and update the Progress tab each month.


EXAMPLE (included as sample data)

6 debts totalling $24,200 with $200 extra a month: debt-free in 29 months instead of 58 on minimums, saving about $3,110 in interest with Avalanche or $2,924 with Snowball.


WHAT YOU RECEIVE

- One .XLSX workbook (Microsoft Excel 2016 or newer, Windows or Mac)
- Works in Google Sheets: upload it to Google Drive and open it, everything recalculates
- A one-page Quick Start Guide (PDF)

Instant download. Yours to keep - no subscription, no login, no monthly fee. If anything does not work, message me and I will fix it.


GOOD TO KNOW

- Interest is calculated monthly (balance x APR / 12). Lenders that compound daily may differ by a few dollars.
- This is a planning tool, not financial advice.
- For personal use. Please do not resell or redistribute the file.

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Listed on Oct 2, 2026
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