Debt Snowball Spreadsheet for Google Sheets and Excel, Debt Payoff Tracker and Avalanche Calculator

✦ Your whole debt-free plan in one calm, fully automated spreadsheet ✦

List your debts once and this navy-and-gold workbook shows your debt-free date, exactly what to pay on every debt each month, and how much interest you save. Pick the debt snowball (smallest balance first), the debt avalanche (highest APR first) or your own custom order with one dropdown. When a debt is paid off, its payment rolls into the next one automatically. Log your payments and watch the balances, progress bars and debt coloring chart fill in. Comes as a one-click Google Sheets copy + Excel file. No formulas to write, no macros, no subscription, no app.

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✦ WHAT'S INCLUDED (7 TABS)
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★ START HERE: your name, currency symbol, plan start month and the extra amount you can pay each month, plus simple setup steps
★ DASHBOARD: pick Snowball, Avalanche or Custom. See your debt-free date, months to go, interest saved, extra each month, total paid off, still to pay, debts paid off, whether you're on track vs your plan, an overall progress bar, your focus debt, the payoff order with progress bars and payoff dates, a balance-over-time chart and a paid-off vs still-to-pay chart
★ MY DEBTS: up to 30 debts with type, balance, APR, minimum payment, due day and an optional custom order. Shows payments and interest logged, current balance, % paid, a progress bar, the payoff date for each debt and its status. Add up to 12 one-time extra payments, like a tax refund or bonus
★ PAYOFF SCHEDULE: month by month for up to 20 years. Shows the focus debt, total payment, interest, principal, balance left, which debt you pay off that month, and exactly how much to pay on each debt. Tick ✓ each month as you go
★ PAYMENT LOG: up to 500 payments with date, debt, payment, optional interest and fees from your statement, and a note. Shows a running balance for each debt, plus total paid, paid this month and your last payment
★ SNOWBALL VS AVALANCHE: minimums only vs snowball vs avalanche vs your custom order, side by side. Compares months to debt-free, debt-free date, total interest, interest saved, total you'll pay and when your first debt is paid off. Includes both payoff orders, a plain-English recommendation and a chart
★ DEBT COLORING CHART: 100 squares sized to your total debt that turn gold as you pay it down, with milestones from 10% to debt-free. Print it and color it in by hand, too

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✦ FEATURES
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✓ Debt snowball, debt avalanche or custom order, switched with one dropdown
✓ True rollover: freed-up minimums and your extra payment snowball into the next debt
✓ Payoff date for every debt, plus your debt-free date and a countdown in months
✓ Interest saved compared with paying only the minimums
✓ One-time extra payments (tax refund, bonus, side hustle) built into the plan
✓ Flags any minimum payment that's too low to ever pay off the debt
✓ Any currency: choose $, £, €, ¥, ₹, A$, C$, R, kr or ₱
✓ Formula cells are locked so you can't break anything by accident (no password, so you can unlock them any time)
✓ Comes with a copy full of clearly labeled example data so you can see how it works, plus a BLANK copy to start fresh
✓ Calm navy, gold and coral design with cream "type here" cells
✓ No macros, no add-ons, no subscription. It's yours to keep.

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✦ YOU WILL RECEIVE
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• Debt-Snowball-Spreadsheet-BrightbudgetsCo.xlsx (with example data)
• Debt-Snowball-Spreadsheet-BrightbudgetsCo-BLANK.xlsx (ready for your own debts)
• Debt-Snowball-Spreadsheet-Start-Here.pdf with your one-click Google Sheets copy link (click › "Make a copy") plus a 2-page setup guide

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✦ COMPATIBILITY
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• Google Sheets (free Google account), in a browser or the Google Sheets app
• Microsoft Excel 2010 or newer, Excel for Mac, Excel for the web / Microsoft 365
• Use a computer for the first setup. After that, log payments on your phone or tablet in the Google Sheets or Excel app.
• Not made for Apple Numbers, GoodNotes or other PDF planner apps

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✦ HOW TO ACCESS
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1. After purchase, go to You › Purchases and reviews › Download files. Etsy also emails you a download link.
2. Google Sheets: open the PDF, click the template link and choose "Make a copy". It's saved to your own Google Drive. (Or import the .xlsx with File › Import.)
3. Excel: double-click the .xlsx file and click "Enable Editing" if asked.
4. Start on the "Start Here" tab. Setup takes about 10 minutes.

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✦ FAQ
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Q: Snowball or avalanche, which is better?
A: Avalanche usually costs less interest. Snowball gives you quick wins that keep you going. The Snowball vs Avalanche tab shows both for your own debts, so you can decide.

Q: Is it dated?
A: No. Pick any plan start month and the schedule follows it. "Months to go" and "on track" use today's date.

Q: Do I need Excel?
A: No. A free Google account and Google Sheets is all you need.

Q: How many debts can I add?
A: Up to 30, with a payoff schedule of up to 20 years.

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✦ PLEASE NOTE
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• This is a digital download. Nothing will be shipped.
• For personal use only. Please don't share, resell or redistribute the files.
• A planning tool, not financial advice. Interest is estimated monthly (APR ÷ 12), so your lender's numbers may differ slightly.
• Example names and amounts are fictional.

✦ PAIRS WELL WITH
• Paycheck Budget & Bill Tracker printable ($3): https://www.etsy.com/listing/4601133620/paycheck-budget-printable-bill-tracker
• Cash Envelope Printables ($4): https://www.etsy.com/listing/4601125510/cash-envelope-printable-cash-stuffing

How it's made: I design every BrightbudgetsCo product myself and build it with digital tools, including AI-assisted writing and coding, then test and approve each file before it's listed. Listing images are previews made from the actual files; no AI image generators are used.

✦ More from BrightbudgetsCo: https://brightbudgetsco.etsy.com