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Debt Payoff Planner Spreadsheet, Snowball and Avalanche Calculator (Google Sheets & Excel)

Price:€15,31

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Highlights

See your debt-free date, and how much sooner you get there with a little extra each month.

The Debt Payoff Planner is a simple spreadsheet for Google Sheets and Excel. List your debts once, pick snowball or avalanche, and it builds your month-by-month plan for you.

WHAT'S INCLUDED
- Dashboard: your debt-free date, months to go, total interest, interest saved and overall progress
- Debts list: track up to 12 credit cards, car loans, student loans, medical bills and more
- Snowball vs. avalanche: compare both methods with minimum payments only, side by side
- Extra payment what-ifs: type in any extra amount and watch your debt-free date move
- Payoff order: see which debt gets paid off first and when each one is gone
- Payoff schedule: every month of your plan, with balances that roll over automatically as debts are paid off
- Debt-over-time chart: your plan vs. paying only the minimums
- Step-by-step setup guide (PDF)

HOW IT WORKS
1. Download the files after purchase.
2. Open the spreadsheet in Google Sheets (free) or Microsoft Excel. The guide walks you through it.
3. Add your balances, interest rates and minimum payments, then choose your plan.

GOOD TO KNOW
- This is a digital download. Nothing will be shipped.
- Works in Google Sheets (free Google account) and Excel 2016 or newer, on computer, tablet and phone.
- Comes with sample data so you can see how it works. Clearing it takes a minute.
- Fully editable: rename categories and labels to fit your life.
- Due to the nature of digital files, all sales are final. If anything isn't working, message me and I'll help.
- For personal use only. Please don't share or resell.
- This template was designed with help from AI tools, and every formula has been tested.
- Payoff dates are estimates that assume fixed rates and on-time payments.

Thank you for supporting Lavontryx Solutions!

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Listed on Oct 10, 2026
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