• Debt Payoff Spreadsheet with Snowball | Avalanche Calculator — Monthly Budget Planner for Excel & Google Sheets image 1
  • May include: A dark blue informational graphic titled HOW IT WORKS with three yellow numbered circles. The text explains the process: Download instantly, Type in the yellow cells, and Everything calculates. The bottom text reads THE GOATED PLANNER.
  • May include: A dark blue digital planner infographic titled WHAT'S INSIDE. It features yellow icons for a budget, expenses, calculator, schedule, and dashboard. Text reads: Type your numbers into the yellow cells — everything else is automatic. THE GOATED PLANNER.
  • May include: A monthly budget spreadsheet template with columns for Category, Planned, Actual, and Difference. The table lists income sources and expense categories like housing, utilities, and groceries with numerical data and totals.
  • May include: A digital debt payoff and budget bundle dashboard featuring a table of key numbers, a pie chart labeled Debt Breakdown, a line graph titled Road to Debt-Free, and a bar chart comparing planned versus actual spending.
  • May include: A digital document titled DEBT PAYOFF + BUDGET BUNDLE. It outlines five steps for financial management, including monthly budget, expense log, debt payoff, payoff schedule, and dashboard, plus a color key and usage tips.
  • May include: A digital debt payoff planner spreadsheet featuring a table with columns for creditor, balance, APR, minimum payment, payoff order, and monthly rate. It includes summary fields for total debt, monthly payments, and debt-free date.
  • Debt Payoff Spreadsheet with Snowball | Avalanche Calculator — Monthly Budget Planner for Excel & Google Sheets image 1
  • Product video
  • May include: A dark blue informational graphic titled HOW IT WORKS with three yellow numbered circles. The text explains the process: Download instantly, Type in the yellow cells, and Everything calculates. The bottom text reads THE GOATED PLANNER.
  • May include: A dark blue digital planner infographic titled WHAT'S INSIDE. It features yellow icons for a budget, expenses, calculator, schedule, and dashboard. Text reads: Type your numbers into the yellow cells — everything else is automatic. THE GOATED PLANNER.
  • May include: A monthly budget spreadsheet template with columns for Category, Planned, Actual, and Difference. The table lists income sources and expense categories like housing, utilities, and groceries with numerical data and totals.
  • May include: A digital debt payoff and budget bundle dashboard featuring a table of key numbers, a pie chart labeled Debt Breakdown, a line graph titled Road to Debt-Free, and a bar chart comparing planned versus actual spending.
  • May include: A digital document titled DEBT PAYOFF + BUDGET BUNDLE. It outlines five steps for financial management, including monthly budget, expense log, debt payoff, payoff schedule, and dashboard, plus a color key and usage tips.
  • May include: A digital debt payoff planner spreadsheet featuring a table with columns for creditor, balance, APR, minimum payment, payoff order, and monthly rate. It includes summary fields for total debt, monthly payments, and debt-free date.
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Debt Payoff Spreadsheet with Snowball | Avalanche Calculator — Monthly Budget Planner for Excel & Google Sheets

Item highlights

  • Digital download
  • Digital file type(s): 1 PDF, 1 other file

Seller's description

Take control of your money with the Debt Payoff + Budget Bundle — the all-in-one spreadsheet that shows you exactly when you'll be debt-free.

WHAT YOU GET (instant download):
✓ Monthly budget planner with planned vs. actual tracking
✓ 300-row expense log with dropdown categories
✓ Debt payoff calculator with Snowball AND Avalanche methods — switch anytime and compare
✓ Automatic 60-month payoff schedule with month-by-month interest
✓ Dashboard with your debt-free date, total interest, and charts
✓ Step-by-step instructions tab — no spreadsheet skills needed

HOW IT WORKS:

Purchase and download the Excel file instantly
Type your numbers into the yellow cells — everything else calculates automatically
Google Sheets users: File → Import → Upload, done

PLEASE NOTE: This is a digital download — no physical item will be shipped. Due to the nature of digital products, all sales are final. Works with Microsoft Excel (2016+) and Google Sheets.

For the attribute fields Etsy lists on the right, use these: File Type: Excel (.xlsx); Software Compatibility: Excel, Google Sheets; Editability: Editable; Intended Audience: Adults; License: Personal use.

Made by a real person: I'm Michael — 15 years in HR, 15 years reselling, and the guy who built this tool for his own life first. I create with AI assistance, then refine and test every file myself. If it doesn't fit how you work, message me in the shop and I'll help you tweak it. — Michael

MY PROMISE — FREE TWEAKS, REAL PERSON: This spreadsheet was built by a real seller (that's me, Michael) and I stand behind it. If you need the currency changed, the colors adjusted, categories renamed, or the formatting fitted to the way you budget, just message me here in the shop and I'll make the tweak for you — free, no catch. Same if you get stuck setting it up: send me a message and I'll walk you through it. I'd rather adjust the file than have it sit unused in your downloads.

*This digital item was created with the assistance of AI Tools and refined by me, the seller*

A note on the images and video: the cover artwork (and the presenter in the demo video, where one appears) is AI-generated. The preview images in this listing show actual pages from the digital file you will receive.

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NowPrice:$8.98

Original Price: $22.45

60% off

You can only make an offer when buying a single item

Delivery

Instant download

Your files will be available to download once payment is confirmed. Here's how.

Instant download items don't accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

Seller's description

Specifications

Take control of your money with the Debt Payoff + Budget Bundle — the all-in-one spreadsheet that shows you exactly when you'll be debt-free.

WHAT YOU GET (instant download):
✓ Monthly budget planner with planned vs. actual tracking
✓ 300-row expense log with dropdown categories
✓ Debt payoff calculator with Snowball AND Avalanche methods — switch anytime and compare
✓ Automatic 60-month payoff schedule with month-by-month interest
✓ Dashboard with your debt-free date, total interest, and charts
✓ Step-by-step instructions tab — no spreadsheet skills needed

HOW IT WORKS:

Purchase and download the Excel file instantly
Type your numbers into the yellow cells — everything else calculates automatically
Google Sheets users: File → Import → Upload, done

PLEASE NOTE: This is a digital download — no physical item will be shipped. Due to the nature of digital products, all sales are final. Works with Microsoft Excel (2016+) and Google Sheets.

For the attribute fields Etsy lists on the right, use these: File Type: Excel (.xlsx); Software Compatibility: Excel, Google Sheets; Editability: Editable; Intended Audience: Adults; License: Personal use.

Made by a real person: I'm Michael — 15 years in HR, 15 years reselling, and the guy who built this tool for his own life first. I create with AI assistance, then refine and test every file myself. If it doesn't fit how you work, message me in the shop and I'll help you tweak it. — Michael

MY PROMISE — FREE TWEAKS, REAL PERSON: This spreadsheet was built by a real seller (that's me, Michael) and I stand behind it. If you need the currency changed, the colors adjusted, categories renamed, or the formatting fitted to the way you budget, just message me here in the shop and I'll make the tweak for you — free, no catch. Same if you get stuck setting it up: send me a message and I'll walk you through it. I'd rather adjust the file than have it sit unused in your downloads.

*This digital item was created with the assistance of AI Tools and refined by me, the seller*

A note on the images and video: the cover artwork (and the presenter in the demo video, where one appears) is AI-generated. The preview images in this listing show actual pages from the digital file you will receive.

  • Designed by
    TheGoatedPlanner
  • Item type
    Digital download
  • Digital file type(s)
    1 PDF, 1 other file
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If something goes wrong with an order, we've got your back on all eligible purchases. View program terms

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Listed on Oct 16, 2026
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