Debt Snowball Spreadsheet, Payoff Planner, Avalanche Method, Free Date Calculator, Debt Payoff Tracker, Excel Google Sheets

Debt Snowball Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. See the exact month you'll be debt free. Enter your debts, choose the snowball or avalanche method, add any extra payment, and this planner builds your month-by-month payoff plan.

🎥 WATCH THE FULL WALKTHROUGH VIDEO before you buy, every tab explained: https://youtu.be/3HMRNd6We_I

✨ NOW INCLUDES 4 FILES: a SAMPLE version (filled in so you can see exactly how it works) and a BLANK version (cleared and ready for your own info), each in an Excel edition and a Google Sheets edition.

★ WHAT'S INCLUDED ★
• Clickable Start Here cover page with quick-start steps and a colour key (yellow = you type)
• Debt-Free Dashboard: debt-free date, days to go, starting debt, owed now, paid off so far, % debt-free, debts cleared, total interest, interest saved, months saved, monthly budget, focus debt, card utilization and debt-to-income, plus a progress bar, goal-date check, 6 automatic insights and 4 charts
• Setup: choose Snowball, Avalanche or Custom, your extra monthly payment, start month, take-home pay and an optional debt-free goal date
• Debts: up to 10 debts with type, balance, APR, minimum, due day, credit limit and your own priority; payoff order, payoff month, interest and % paid calculated for you
• Windfalls planner: add tax refunds, bonuses and side income and they go straight into your snowball
• Method Comparison: Snowball vs. Avalanche vs. your plan vs. minimums only (debt-free date, months, total interest, total paid, first win), payoff order side by side, a plain-English verdict and 2 charts
• What-If Calculator: test a bigger extra payment, a one-time lump sum or a different method and see months sooner and interest saved, plus an extra-payment ladder from $0 to $1,000 a month and 2 charts
• Payoff Schedule: month-by-month plan for up to 30 years showing interest, payments and the rollover for every debt
• Monthly Plan: what to pay each debt this month, what you've logged, what's left and paid / due soon / overdue status, plus a 12-month outlook
• Payment Log: 500 rows with drop-downs, totals by debt and logged vs. planned by month with a chart
• Progress Log: type your real balance each month and see if you're ahead or behind the plan, with a chart
• Milestones & Countdown: days, weeks and paychecks to debt-free, every payoff victory in order, 10% to 100% milestones and a reward idea for each win
• Credit Utilization: utilization and rating for every card, how much to pay to get under 30% and 10%, and a 24-month projection chart
• 3 calculation engines (Snowball, Avalanche, What-If) that power the comparisons, nothing to type there
• Sample data version so you can see how it works, plus a blank ready-to-use version

★ SAVE WITH A BUNDLE ★
Get this template plus 4 more in the Personal Finance Spreadsheet Bundle and save 50%: https://www.etsy.com/listing/4600189972/personal-finance-spreadsheet-bundle

PLEASE NOTE
• DIGITAL download only. No physical item will be shipped.
• Estimates for planning. Your lender's figures may differ slightly. Not financial advice.
• For personal use only. Not for resale.