Debt Payoff Tracker | Debt Snowball & Avalanche Spreadsheet | Excel and Google Sheets

No app. No sign-up. No subscription. Yours to keep.

Includes a filled-in Example to show you how it works, and a clean Blank that's ready to use: nothing to clear first.

Snowball or avalanche? Stop guessing. List your debts once, and this planner shows four ways to pay them off side by side: minimums only, snowball, avalanche and your own order. You'll see your debt-free date, the interest each way costs, and exactly what to pay each debt every month.

What's inside
- My Debts: up to 20 debts (cards, loans, buy now pay later and more), your method, and any extra you can pay each month or each pay (weekly, biweekly, twice a month, every 4 weeks or monthly)
- Compare Methods: months to debt-free, total interest and interest saved for each method, plus a plain-English summary
- 2 automatic charts: total owing over time, and interest by method
- Payoff Plan: what to pay each debt, every month, until you're debt-free (up to 30 years), with paid-off months highlighted
- Progress: type what you owe now and see progress bars and whether you're on track or behind
- Start Here: a clickable index, with separate steps for Excel and Google Sheets

When a debt is paid off, its payment rolls on to the next one automatically.
Amounts in US dollars.

Why you'll like it
- Every formula is tested before it goes in the shop
- Nothing is locked: change anything you like
- 2 looks (Soft and Classic), each as a Blank and a filled-in Example
- Works in Microsoft Excel and Google Sheets (free). Best on a computer; also opens on phone or tablet

Format: Excel files (.xlsx) that also open in Google Sheets, plus a quick-start PDF guide.
This is a digital download. No physical item will be sent.
Designed by SumItAllUp and built with the help of AI tools. Every formula is tested before it goes in the shop.
A planning tool, not financial advice. Dates and interest are estimates.
Questions? Send us a message: we're happy to help.