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Debt Payoff Planner Spreadsheet, Debt Snowball Avalanche Calculator, Debt Free Date Tracker for Google Sheets and Excel, Up to 15 Debts

NowPrice:$5.99

Original Price: $7.99

25% off

•

Sale ends on November 17

Includes Etsy Purchase Protection

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Highlights

  • Designed by KoizenCo
  • Digital download
  • Digital file type(s): 2 Files

You know you want to be debt free. What you do not know is the date. This planner gives you that date, and shows which payoff method gets you there with the least interest.

List up to 15 debts (credit cards, car, student loans, medical, anything) and the extra amount you can pay each month. The planner builds a month by month schedule for the Snowball method (smallest balance first) and the Avalanche method (highest interest first), side by side, and rolls every finished payment into the next debt automatically. You see months to debt free, your debt free date, total interest under each method, and what paying only the minimums would cost you.

WHAT YOU GET
• A filled sample workbook with made up debts so you see it working
• A blank workbook to start fresh
• A Start Here tab with step by step setup
• Works in Google Sheets (free) and Excel 2016 or newer

WHAT IS INSIDE
• Dashboard: total debt, debt free date, months to go, interest saved, next debt to attack
• Debts: up to 15, with balance, APR and minimum, plus a warning when a minimum does not cover interest
• Compare: Snowball vs Avalanche vs minimums only, in dollars and months
• Snowball and Avalanche schedules: 360 months each, all live formulas
• Progress: type each new balance once a month and see percent paid
• Charts: balance over time, interest by method, payoff progress

WHY THIS ONE
Most debt trackers show one method. This one shows both, so you pick with real numbers instead of guessing. The schedules run 30 years, so large balances work too.

HOW IT WORKS
1. Download right after purchase
2. Open in Excel, or in Google Sheets choose File, Import
3. Enter your debts and your extra monthly amount, then pick your method

Questions after you buy? Message the shop and I will help you set it up.

Interest is estimated monthly, so your statements will differ a little. This is a digital download. No physical item ships. Educational tool, not financial advice. Personal use only.

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Listed on Oct 18, 2026
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