Debt Snowball Spreadsheet, Debt Avalanche Tracker, Debt Payoff Planner, Debt Free Date, Credit Card Payoff, Google Sheets & Excel

Find out the month you will be debt free. Type each debt once with its balance, yearly rate and minimum payment, add what extra you can pay every month, and pick snowball, avalanche or your own order. The planner works out every month for up to 10 years and tells you what to pay on each debt this month.

WHAT YOU SEE ON THE DASHBOARD
• Months left until you are debt free, and the debt-free date
• Interest you save, and how many months sooner than paying minimums only
• Your plan of attack: the order of your debts and the month each one is paid off
• Pay this month: the amount for every debt, with the focus debt marked ★
• Paid off so far: progress for each debt from the payments you log
• Debt over time: your plan vs. minimums only, on one chart

THREE METHODS
• Snowball: smallest balance first, for quick wins
• Avalanche: highest interest first, to save the most
• Your own order
Switch in Settings and the whole plan recalculates.

WHAT'S INSIDE
Dashboard · Debts (up to 10) · Payments · Plan (month by month, up to 10 years) · Settings · How to use

10 LANGUAGES IN ONE FILE
English, Español, Français, Deutsch, Português, Italiano, Nederlands, Polski, Русский, हिन्दी. Pick a language on the dashboard and every label switches. Arabic comes as a separate right-to-left file.

ANY CURRENCY
Pick yours in Settings: $, €, £, ₹, zł, R$, ₪, ¥ and 27 more.

FOUR LOOKS, ONE PURCHASE
Night (dark), Garden (light), Pastel (soft lavender) and Emerald (deep green): all four are in your download, with the same formulas in every look.

WHAT YOU GET
Instant download: a START HERE guide (PDF) and two ZIP archives (Excel + Arabic, and Apple Numbers) with a folder for every app:
1 Excel: Night, Garden, Pastel and Emerald for Microsoft Excel on Windows and Mac. Every file opens on your empty planner, with a filled Example tab right after it
2 Apple Numbers: the same 4 looks, each with the Example, for Numbers on Mac, iPhone and iPad
3 Arabic: right-to-left files (all 4 looks, each with the Example)
4 App: the same planner as an app for any computer (Chrome, Edge, Safari, Firefox), plus a link to install it on your phone (iPhone, iPad, Android). Works without internet, keeps entries on your device, backup file, transfer to another device with a short series of encrypted QR codes (very large planners use the backup file), and import and export with your Envelo Excel file. Protected by ZeroUpload: the app works on your device, and your entries are never uploaded.
Google Sheets: the START HERE guide has a button for every look. One click makes your own private copy.

WHICH FILE SHOULD I USE?
• Windows PC: the Excel files, or Google Sheets in your browser.
• Mac: Excel for Mac, Apple Numbers, or Google Sheets in Safari or Chrome.
• iPhone, iPad, Android: the Google Sheets app, or Apple Numbers on iPhone and iPad (log payments through a simple Numbers form).
In Excel only the cells you type in can be changed. In Google Sheets the formulas are protected: Google warns you before anything changes. In Apple Numbers the Dashboard and the Plan are locked as a whole.

PLEASE NOTE
• This is a digital download. Nothing will be shipped.
• Decorative illustrations and the laptop backgrounds in the photos were made with AI image tools. Every planner screen you see is the real file.
• For personal use. Please don't resell or share the files.
• The plan is an estimate from the numbers you type. It is not financial advice.
• Your planner starts empty. The Example tab in the same file (five debts with a snowball plan and a few payments) shows how it works.

Questions? Send us a message on Etsy.