Debt Snowball Tracker Spreadsheet for Beginners | Easy Debt Payoff Planner & Credit Card Tracker, Auto Charts | Google Sheets and Excel

Seller's description

⚡ The budget app you own. No monthly fee. See your debt-free date and the fastest way there, in Excel + Google Sheets.
🤖 Works with ChatGPT & Grok if you want it (optional, nothing in the file is AI).
📗 Comfortable with Excel? Go FULL: same hints and dropdowns (Excel formulas protected from accidental changes), plus extra tabs for whenever you're ready.
📱 Works on your phone with a compact, phone-friendly view, so you can check and log on the go.
🔄 Free updates, always, at no extra cost for the life of the product: every improvement is yours, no need to check: we send you an Etsy message when a new version is ready.
💳 No subscription. Pay once, yours forever. No monthly app fees.
💡 Typical budget apps can cost around $100 a year. Volt is a one-time purchase.
📘 Includes a simple step-by-step Start Here guide.

READY NOW FOR 2026 & 2027
• Quick Add – log a purchase in about 5 seconds: date, amount, category, done
• Color themes – pick a look from a dropdown and the dashboards recolor (Volt Navy is the default)
• Phone-friendly layout – a compact view for checking and logging on the go
• Beginner tips – short, plain-English hints right on the sheets, so you're never stuck

WHAT'S INCLUDED
• Start Here – quick setup steps
• My Debts – balances, rates and minimum payments
• Compare Plans – Snowball vs Avalanche side by side (plus minimum-payments-only)
• Payment Plan – month-by-month payments with check-offs
• Calculation tabs that do the math for you

HOW IT WORKS
1. Enter your debts and extra monthly payment.
2. Compare Plans shows each strategy's payoff date and total interest.
3. Pick your plan and follow your Payment Plan.

BONUS (totally optional)
• Works with ChatGPT & Grok: the Start Here tab shows how to ask about your own planner. 100% optional. Volt works fully on its own and your numbers stay in your own file.

COMPATIBILITY
• Works with Excel and Google Sheets
• Microsoft Excel desktop, Excel 2016 or later, or Microsoft 365
• Google Sheets: open the Make-a-copy link in the included PDF to get your own copy in one click (free Google account)
• On your phone (Excel): install the free Microsoft Excel app, save your file to OneDrive or iCloud Drive, open it in the app and log spending on the go
• On your phone (Google Sheets): install the free Google Sheets app, sign in with the Google account that has your copy, and tap your planner

WHAT YOU GET ON DOWNLOAD
• Excel Edition ZIP: EASY + FULL, each BLANK and EXAMPLE (.xlsx)
• Google Sheets Edition ZIP (.xlsx) + Make-a-copy links in the instructions PDF
• Instructions PDF
• Guides & Bonus PDF: Start Here guide, Move Your Numbers guide and bonus printables

PLEASE NOTE
• Digital item — nothing is shipped.
• For personal use only; please don't resell or share the files.
• Because it's a digital download, refunds aren't offered. Message us on Etsy or email voltbudget [!at] gmail.com if anything goes wrong. We're happy to help.
• This is a planning tool, not financial or tax advice. Results depend on the numbers you enter.

FREE UPDATES FOR THE LIFE OF THE PRODUCT: every new feature, free, no need to check: we send you an Etsy message when a new version is ready.

Designed by Volt Budget with AI-assisted tools; reviewed, tested and finalized by us.