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Debt Payoff Planner Spreadsheet | Snowball vs Avalanche Calculator | UK Debt Tracker | Excel & Google Sheets Template

NowPrice:$8.41

Original Price: $10.51

20% off

•

Sale ends on November 17

Includes Etsy Purchase Protection

You can only make an offer when buying a single item

Highlights

  • Digital download
  • Digital file type(s): 1 File

Find your debt-free date and the cheapest way to get there. Enter your debts once, and this planner builds a month-by-month payment plan for you.

It compares the two most popular methods side by side, so you can see exactly how much interest each one costs.

WHAT IT DOES
• Handles up to 10 debts: credit cards, loans, overdrafts, car finance and store cards
• Compares the Snowball method (smallest balance first) with the Avalanche method (highest interest first)
• Shows your debt-free date, total interest and total paid for each method
• Gives a clear verdict on which method saves you more
• Shows the month each individual debt will be cleared
• Builds a full month-by-month schedule, rolling each cleared payment onto the next debt
• Warns you if a minimum payment doesn't cover the interest
• Lets you change your extra monthly payment and watch the plan update instantly

WHAT'S INCLUDED
• 1 Excel file (.xlsx) with 5 tabs: Start Here, My Debts, Plan, Snowball and Avalanche
• Simple instructions inside

HOW IT WORKS
1. Purchase and download instantly
2. Open in Excel, or upload to Google Sheets
3. Fill in the yellow cells – everything else calculates for you

PLEASE NOTE
• This is a digital download. No physical item will be sent.
• Gives estimates only, assuming your rates and payments stay the same. Not financial advice.
• If you're struggling with debt, free help is available from MoneyHelper, StepChange and Citizens Advice.

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Listed on Nov 3, 2026
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