Debt Payoff Planner Spreadsheet, Snowball and Avalanche Calculator, Google Sheets, Excel, Printable PDF

Find your debt-free date in minutes. Enter your debts and monthly budget, choose Snowball, Avalanche or your own order, and get a month-by-month payment plan that automatically rolls each paid-off debt into the next.

WHAT'S INCLUDED
- Debt Payoff Planner spreadsheet (.xlsx), blank and ready to use
- Example file filled with sample data so you can see how it works
- Printable PDF (US Letter + A4): debt overview, 1% payoff tracker (x2), monthly payment log, debt-free countdown

FEATURES
- Up to 10 debts: credit cards, car loans, student loans, medical bills, personal loans
- Snowball, Avalanche or Custom payoff order
- Debt-free date, months to go and total interest
- Snowball vs Avalanche comparison: months and interest saved
- Payoff order with the month and date each debt hits zero
- Month-by-month payment schedule (up to 30 years)
- Warning if your budget is below your minimum payments

HOW TO USE
1. Download the files from your Etsy Purchases page (instant download, nothing is shipped).
2. Excel: open the .xlsx file. Google Sheets: upload the .xlsx to Google Drive, open it, then choose File > Save as Google Sheets.
3. Start on the 'Start Here' tab and fill in the pale-yellow cells. Everything else calculates for you.
4. Print the PDF pages at home or at a print shop (US Letter and A4 included).

GOOD TO KNOW
- Digital download only. No physical item will be shipped.
- Works in Microsoft Excel 2010 or newer (Windows and Mac) and Google Sheets (free). Apple Numbers and LibreOffice not fully tested.
- Formula cells are protected (no password) to prevent accidental edits.
- Colors may look slightly different on screen vs. print.
- For personal use only. Please don't resell or share the files. (c) Porchlight Ledger
- Results are estimates for planning. Your lender's exact interest method may differ slightly. Educational tool, not financial advice.

ALSO IN THE SHOP
- Monthly Budget Planner (give every dollar a job each month): https://www.etsy.com/listing/4587774776/monthly-budget-planner-spreadsheet-zero
- Net Worth Tracker (watch your net worth climb as debts fall): https://www.etsy.com/listing/4587778214/net-worth-tracker-spreadsheet-monthly
- Budget Spreadsheet Bundle (six matching planners in one download): https://www.etsy.com/listing/4587781978/budget-spreadsheet-bundle-debt-payoff

AI disclosure: I used AI tools to help build this template (formula drafting, layout, written instructions and the product preview images). Every formula was reviewed and tested in LibreOffice with sample data, and the files were checked before listing.