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

Know the exact month you will be debt free, and how much interest you save getting there.

Enter up to 10 debts with their balance, interest rate and minimum payment, set what you can pay each month, and pick a strategy. The planner simulates every month: each debt gets its minimum, the extra goes to your top priority, and when a debt is paid off its payment rolls into the next one.

FEATURES
- Strategies: Debt Snowball (smallest balance first), Debt Avalanche (highest interest first) or your own custom order. Switch and compare instantly.
- Plan: your debt-free date, months to go, total interest, and how much time and money you save compared with paying only the minimums
- Payoff order: every debt's payoff month and interest cost
- Chart of your total balance falling over time
- Schedule: the full month-by-month breakdown for up to 30 years

A planning tool, not financial advice. Interest is estimated monthly from each APR, so treat dates as close estimates.

HOW YOU GET IT
This is a digital download. Nothing is shipped. After purchase, download the files from your Etsy Purchases page (or the email Etsy sends you).

WHAT'S IN THE DOWNLOAD
- The template in 3 color themes (Sage, Blush, Slate)
- Each theme with example data, so you can see it working, and a blank version to start fresh
- A Start Here PDF with setup steps for Google Sheets and Excel

WORKS WITH
- Google Sheets (free, any computer, phone or tablet app)
- Microsoft Excel 2016, 2019, 2021 and Microsoft 365
- Not tested in Apple Numbers

GOOD TO KNOW
- No macros, no add-ons, no account to make with us.
- Personal use. Please do not share or resell the files.
- Designed by Tallyhouse with the help of AI tools. Every formula is tested against worked examples before it ships.
- Questions? Message us here on Etsy. We usually reply within a day.