Debt Payoff Planner Spreadsheet, Snowball Avalanche Calculator, Credit Card Loan Tracker, Google Sheets Excel

This debt payoff planner does the real math: month-by-month amortization for up to 12 debts, snowball and avalanche compared, your debt-free date, the interest you'll save, and exactly what to pay each debt every month.

✦ WHAT'S INCLUDED
• Debt payoff planner (.xlsx), example with 6 debts ($47,350), $300 a month extra and a tax refund
• Blank version (.xlsx): 12 debts, 60 one-time extra payments, 500 payment-log rows
• Step-by-step PDF guide for Google Sheets and Excel

✦ FEATURES
• Dashboard: total debt, debt-free date, months to go, total interest, interest saved, monthly budget, paid so far and a progress bar
• Snowball (smallest balance first) and avalanche (highest rate first) run side by side on the same budget
• Minimums-only baseline, so you see the interest and months your plan saves
• Real amortization: interest at APR ÷ 12 each month, rounded to the cent. A $10,000 loan at 6% over 60 months shows $1,599.68 interest, the same as standard loan calculators
• Freed-up minimums roll to the next debt automatically (the snowball effect)
• One-time extra payments by month (tax refund, bonus) go to your top-priority debt
• Monthly Payments: your exact payment for every debt, every month, for up to 30 years
• Each debt's payoff date under each method, and warnings when a minimum doesn't cover interest
• Payment log to track what you've actually paid

✦ WHY IT'S DIFFERENT
• Real month-by-month math, not a coloring chart
• Both methods plus minimums compared in dollars and months
• Plans for windfalls, not just a fixed extra
• Google Sheets AND Excel, example and blank versions, no macros

✦ HOW IT WORKS
1. Buy and download your files instantly (Etsy: You › Purchases › Download Files).
2. Upload the .xlsx to Google Drive and open it with Google Sheets, or open it in Excel.
3. Follow the Start Here tab. Everything else calculates.

✦ GOOD TO KNOW
• Instant download: nothing physical is shipped.
• Works in Google Sheets (free) and Microsoft Excel 2016+ / Microsoft 365 / Excel for the web. Not compatible with Apple Numbers.
• Works on desktop and in the Google Sheets and Excel phone apps (a computer is easiest for setup).
• No macros. Example and blank versions included. Licensed for one person or one business.
• Record-keeping and planning tool, not tax, legal or financial advice.
• Questions? Message me. I usually reply within a day.

© SageAndSheets. Please do not share or resell. Because this is a digital download, refunds aren't offered, but if anything isn't working, message me and I'll make it right.

Designed and tested by Tanner C. Some text and images were created with the help of AI tools.