Debt Payoff Tracker Spreadsheet, Debt Snowball & Avalanche Calculator, Credit Card Payoff Planner, Debt Free Plan (Excel/Google Sheets)

See the exact month you'll be debt-free, how much interest you'll pay, and what to pay on each debt every month. Snowball, avalanche or your own order, compared side by side.

WHAT IT DOES
✔ Debts: up to 15 debts with balance, interest rate (APR), minimum payment and type (credit card, store card, personal loan, auto loan, student loan, medical, mortgage, buy now pay later, family, other).
✔ Your monthly budget and strategy: Snowball (smallest balance first), Avalanche (highest rate first) or Custom (your own order).
✔ Payoff Plan: the payment for every debt, month by month, for up to 15 years. Minimums on all debts, the extra on the one in focus, and a paid-off debt's payment rolls into the next one. The payoff month is highlighted.
✔ Each debt: payoff order, paid-off date and the interest it will cost you.
✔ Dashboard: total debt, debt-free date, months to go, total interest, % paid off and a chart of the balance falling. A warning if your budget doesn't cover the minimums.
✔ Snowball vs Avalanche: both strategies run on your numbers, with the debt-free date, months and interest for each, and how much the cheaper one saves.
✔ Balance Log: type in each balance from your statements once a month to track real progress.

WHO IT'S FOR
Anyone paying off credit cards, loans or medical bills who wants a clear plan and a date to aim for. Built for US-style APR and monthly minimums.

WHAT YOU GET
• 1 × Excel file (.xlsx) with a "Start Here" setup guide tab and sample data you can overwrite
• Works in Microsoft Excel (Windows, Mac, 365) and Google Sheets (upload to Google Drive and open with Google Sheets)
• No macros, nothing to install
• Instant digital download. Nothing physical will be shipped.

GOOD TO KNOW
• The plan assumes fixed rates, no new charges and monthly interest (APR ÷ 12). Your lender's figures can differ slightly; update the balances every few months.
• This is a planning tool, not financial advice.
• Created with the help of AI tools; designed, checked and tested by me.
• Because this is a digital file, I can't offer refunds, but if anything doesn't work, message me and I'll help.