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

See exactly when you'll be debt-free. List your debts, pick Snowball or Avalanche, and this spreadsheet builds your month-by-month payoff plan automatically.

Works in Microsoft Excel AND Google Sheets (free). Instant digital download.

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WHAT'S INCLUDED
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✔ Up to 8 debts: credit cards, car loans, student loans, personal loans...
✔ Snowball (smallest balance first) or Avalanche (highest interest first): switch with one click and compare.
✔ Your payoff order, the month each debt is paid off, your debt-free date and total interest.
✔ Extra payment: see how much faster you get out of debt by adding a little more each month.
✔ Payments roll over automatically when a debt is paid off.
✔ Month-by-month schedule (up to 30 years) and a chart of your total debt over time.

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YOU WILL RECEIVE
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• Blank planner (.xlsx)
• Example file with sample debts
• Quick-Start Guide (PDF)

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GOOD TO KNOW
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• Digital product: no physical item will be shipped.
• Interest is estimated monthly from the APR; your lender's exact figures may differ slightly.
• Requires Microsoft Excel 2010 or newer, Excel for Mac, Excel online or a free Google account. Not compatible with Apple Numbers.
• Created with the help of AI tools and checked by hand: every formula is tested.
• For personal use only. Please do not share or resell the files.
• Refunds are not accepted for digital downloads, but if anything doesn't work, message me and I'll fix it.
• For personal planning only, not financial advice.