Debt Payoff Planner Spreadsheet | Snowball and Avalanche, 0% Card Cliff Tracker, Debt Free Date (Google Sheets + Excel)

A spreadsheet that lists each card and loan and works out when each clears and your debt-free date. You get a PDF with Google Sheets copy links plus Excel files, for Google Sheets (free) or Excel. For anyone with cards or loans, including deals that end, who wants a date to aim at. If it doesn't work on your device, we fix it or refund you.

DEBT PAYOFF PLANNER + 0% CARD CLIFF TRACKER: every card and loan with its balance, the APR after the promo, the promo end date and a status (Safe, Plan now, Next to look at, Expired). Type what you can afford each month, pick snowball, avalanche or cliff-first, and the plan shows when each debt clears, the total interest and your debt-free date.

FOUR COLOURWAYS, ALL INCLUDED
- Pastel: a soft pastel rainbow, each tab and category in its own pastel.
- Bright: bold, saturated colour blocks.
- Dark: deep navy with glowing accents, easy on the eyes.
- Earthy: sage, sand and terracotta.
Each colourway comes as an Excel file with example numbers, a blank Excel file and its own Google Sheets copy link. The formulas are identical, so pick the look you like (or switch later).

WHAT IT DOES
- Months until each 0% deal ends, with a status that changes colour as it gets close
- Snowball, avalanche or cliff-first (soonest 0% expiry first)
- 60-month schedule for up to 10 debts; overpayments roll to the next debt automatically
- No interest during 0% months, the real APR after
- Payments log and a balance-over-time chart
- Dashboard: debt-free date, total interest, the next cliff
- Colour means something: each tab has its own colour, categories keep their colour in the tables and the charts, and green, amber and red show good news, keep an eye on it, and over or overdue, always with a word as well. Text on every coloured fill meets the WCAG AA contrast level.

TABS
- Start here
- Debts
- Plan
- Schedule
- Payments log
- Dashboard
- Notes
- Export to Calm Money

WORKS WITH THE CALM MONEY APP
The last tab, Export to Calm Money, turns your bills, budgets, debts and goals into one CSV that our Calm Money budget app imports in a tap. The Calm Money app is sold separately in this shop.

GOOGLE SHEETS AND EXCEL, BOTH INCLUDED
Input cells (they have a coloured border) are yours to type in; everything else is worked out for you, so a stray click cannot break a formula (locked in Excel; Google Sheets asks before you edit a worked-out tab). No macros, nothing to enable. Works on a phone in the Google Sheets app; setting it up is easier on a laptop. Not financial advice.

HOW YOU GET IT
From your Etsy downloads page (open etsy.com in a web browser, not the Etsy app):
- A PDF with a Google Sheets link for each colourway: tap the one you like and choose Make a copy (free Google account needed).
- A zip with the Excel files (.xlsx) for every colourway, for Excel 2016 or newer.
- A blank version of each, ready for your numbers, and an example version so you can see how it works first.
Not editable in the Etsy app; use a browser or the Google Sheets or Excel apps.

BUY TWO OR MORE: use code PICK2 at checkout for 20% off any two or more items from the shop, until 31 January 2027.

If debt feels heavy, free help is at MoneyHelper, StepChange and National Debtline.
Google Sheets and Excel are trademarks of their owners, who do not make or endorse this product.

INSTANT DIGITAL DOWNLOAD. Nothing is posted. Open your download from etsy.com in a web browser, not the Etsy app. If it doesn't open, doesn't work on your device or isn't as described, message us and we will fix it or refund you. This does not affect your legal rights.
Personal use only. Please do not share, resell or redistribute the files or the link.
Stuck? Message the shop with a screenshot and a person replies within a day.

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