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

Debt payoff tracker spreadsheet that compares the debt snowball and avalanche methods for up to 20 debts and shows your debt-free date, the interest you'll pay, the interest you save compared with paying only the minimums, and exactly what to pay on each debt every month.
Made for anyone paying down credit cards, store cards, car loans, student loans, personal loans or medical bills who wants a clear plan and a way to track progress.

WHAT'S INSIDE (6 tabs)
- Start Here: three steps, one color rule (yellow cells are where you type) and quick answers
- Debts: up to 20 debts with balance, yearly rate (APR) and minimum payment; pick snowball or avalanche, add an extra monthly payment and a start month; payoff order, months, paid-off date and interest for every debt; snowball vs avalanche vs minimums only side by side; a balance chart
- Payments: 500 rows to log what you pay, plus the interest and fees from your statements, so each debt shows paid so far, balance now and progress
- Payoff Plan: month by month for up to 25 years: what to pay on each debt, total paid, interest and balance left, with this month highlighted
- Dashboard: starting debt, balance now, paid so far, debts paid off, debt-free date, interest, interest saved, this month's payment and which debt the extra goes to, with 2 charts
- Debt Schedule: the month-by-month maths behind the plan (nothing to type)

HOW IT WORKS
1. List your debts: balance, yearly rate and minimum payment for each one.
2. Pick a method and an extra: snowball (smallest balance first) or avalanche (highest rate first). Your debt-free date appears at once.
3. Pay and log: follow the monthly plan, log your payments and watch the balance fall.

WHAT MAKES IT DIFFERENT
- Up to 20 debts, each with its own payoff date, order and interest.
- The real snowball: when a debt is paid off, its minimum rolls on to the next one, so your monthly total stays the same.
- Interest worked out month by month (APR / 12, rounded to the cent), not a rough average.
- Honest warnings: a minimum that doesn't cover the interest is flagged, and plans longer than 25 years say so.
- A tracker, not only a calculator: log payments and see balance now and progress for every debt.
- Works the same everywhere: every formula was tested in LibreOffice against an independent calculation, and uses only functions that Excel and Google Sheets share. No macros, nothing locked.

FILE FORMAT
You receive one ZIP file containing:
- Debt_Payoff_Tracker.xlsx (Excel 2010 or later, Excel for Mac, LibreOffice)
- Quick_Start_Guide.pdf (5 pages, with a worked example)
Google Sheets: upload the .xlsx to Google Drive, open it with Google Sheets, then File > Save as Google Sheets. Formulas and dropdowns carry over; Google redraws the charts, so they may look slightly different.
Use any currency: type your symbol on the Debts tab.
Apple Numbers can open the file but is not supported.
The sample debts and amounts in the photos are invented.

Digital download, nothing is shipped.

Because this is a digital file, returns and exchanges aren't accepted. If something isn't working, message me and I'll help put it right.

Not financial advice. Payoff dates and interest are estimates: they assume rates stay the same, no new charges and every payment on time. Your lender's statements are the real numbers.

Designed by WrenWorks with AI assistance.