Debt Payoff Planner, Snowball & Avalanche Tracker (PDF + Excel)

Five calm steps to a lighter month — see the whole picture, stop making it bigger, choose a method and pay it down.

Debt feels heavy mostly because you cannot see it all at once. Written down, it becomes a list — and a list can be crossed off. The KUF Debt Payoff Planner walks you through five steps in plain language, with a debt list, a payments log and a 12-month progress sheet. The Excel version has a built-in calculator: type the extra you can pay each month and see the snowball and the avalanche side by side — how many months, how much interest — in any currency.

✦ WHAT'S INSIDE THE PRINTABLE PDF (11 pages)
• Five steps, 34 points to tick: See the whole picture · Stop making it bigger · Choose your method · Pay and track · Stay out of debt
• Debts — every debt, in one list
• Payments — every payment you make, written down the day you make it
• 12 months — one line a month. Watch it fall
• US Letter, prints perfectly on A4

✦ WHAT'S INSIDE THE SPREADSHEET
• Start — a short how-to guide; your progress fills in by itself
• Checklist — tick what is done, add your notes
• Debts — every debt, in one list; the totals are calculated for you
• Payments — every payment you make, written down the day you make it; the totals are calculated for you
• 12 months — one line a month. Watch it fall; the totals are calculated for you
• Payoff plan — snowball or avalanche? Type the extra you can pay each month and see both plans side by side: months, interest, order, chart

✦ WHY YOU'LL LOVE IT
• Gentle and practical — no shame, no jargon, just a plan you can follow
• Works anywhere in the world, in any currency
• Works in Microsoft Excel and in Google Sheets (free)
• Automatic totals — no formulas to write
• A calm, elegant design — olive, burgundy and brass

✦ WHAT YOU GET
• 1 printable PDF — KUF Debt Payoff Planner - Printable
• 1 spreadsheet (.xlsx) — KUF Debt Payoff Planner
• Instant download after purchase

✦ REQUIREMENTS
• PDF: any PDF reader and a printer (or fill it in on a tablet).
• Spreadsheet: Microsoft Excel (2016 or newer / Microsoft 365), Excel for the web, or Google Sheets (free). For Google Sheets: upload the file to Google Drive and open it with Google Sheets.

✦ PLEASE NOTE
• This is a digital product — nothing will be shipped.
• For personal use only. Please do not share or resell the files.
• This is general guidance, not financial, tax or legal advice. Interest rates and rules differ from country to country — check the terms of each of your debts, or ask a qualified adviser.

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designed by KUF · Bucharest