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Excel debt repayment plan: snowball and avalanche methods

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  • Digital download
  • Digital file type(s): 1 PDF, 2 other files
  • Text in this download may be in another language
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Do you have multiple loans at the same time? Find out the exact date of your last monthly payment, and the method that costs you the least interest.

Enter your debts and monthly budget: this Excel template calculates your repayment plan using the two most popular methods, snowball and avalanche, and compares them side-by-side. It was designed by a French credit manager (with over 6 years of experience in credit and debt collection).

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WHAT YOU RECEIVE
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– A blank Excel file (.xlsx), ready to be filled in.
– A pre-filled example file: a fictional family, 5 debts, €900 per month, to see the result right away.
– A 2-page PDF instruction manual: what to enter, how to read the comparison, which method to choose.

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WHAT THE FILE DOES
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– Up to 10 debts: consumer credit, revolving credit, overdraft, car loan, 0% family loan…
– Snowball method: the surplus goes first to the smallest debt. Quick wins, to sustain in the long term.
– Avalanche method: the surplus goes first to the highest rate. The least amount of interest possible.
– Automatic carryover: when a debt is settled, its monthly payment is transferred to the next one.
– Monthly schedule and debt by debt, over a maximum of 10 years: interest, repayment, balance.
– Summary: end date of each debt, “zero debt” date, total interest, avalanche savings, months gained compared to the minimum monthly payments only.
– Graph: your total remaining debt, month by month, with 3 curves (minimum only, snowball, avalanche).
– Alerts: budget lower than minimum monthly payments, monthly payment that does not cover interest, missing data.

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HOW IT WORKS
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Indicate your monthly budget and the date of your next monthly payment.
Enter your debts: outstanding principal, annual interest rate, minimum monthly payment.
Read your "zero debt" date and the recommended method. The file does all the calculations.

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FOR WHOM?
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Individuals, couples and families who are repaying multiple loans and want a clear plan to get out of it, with an end date.

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FORMAT AND COMPATIBILITY
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– 2 .xlsx files + 1 PDF
– Excel 2016 or later, Microsoft 365, Excel Online, LibreOffice
– No macros

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GOOD TO KNOW
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– Interest is calculated monthly (balance × annual rate ÷ 12). Your bank may calculate to the nearest day: a few euros difference is normal.
– This file is not a substitute for professional advice. In case of difficulty, the Banque de France (debt relief application) and the Budget Advice Centers are free of charge.
– Digital product: nothing is shipped. Your files are available for download as soon as payment is confirmed, in your Etsy account (You > Purchases and Reviews).
– License: unlimited personal use. Resale and sharing of the file are prohibited.
– This tool is provided for informational purposes only; it does not constitute financial advice.
– My models are designed and verified by me, with the help of digital tools, including AI.
– Returns not accepted (digital files). Having trouble with your file? Contact me: I'll fix it or replace it quickly. Response within 48 hours.

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TO GO FURTHER
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To know where your money goes each month and to free up the budget for your plan: the monthly family budget, in the shop.

Guillaume — The French Spreadsheet

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Listed on Oct 14, 2026
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