Debt Payoff Planner — Snowball & Avalanche Calculator Spreadsheet
Debt Payoff Planner — Snowball & Avalanche Calculator Spreadsheet
See your debt-free date — and what an extra $50 a month changes.
List your debts once. Choose snowball (smallest balance first) or avalanche (highest interest first). The planner builds a month-by-month payoff schedule and shows the date each debt is paid, so you can compare methods in seconds.
What it does
- Up to 8 debts: credit cards, car loans, personal and student loans
- Debt-free date, months to go and total interest at the top
- Rollover built in: when one debt is paid, its payment moves to the next
- Full 30-year month-by-month schedule
- Flags any debt whose minimum payment doesn't cover its interest
Good to know
Estimates assume a fixed APR, monthly interest and no new charges, so your lender's figures may differ slightly. This is a planning tool, not financial advice.
What's included
- Debt Payoff Planner spreadsheet (Start Here, My Debts, Schedule)
Format & compatibility
- One .xlsx file
- Works in Microsoft Excel (2010 and newer, Windows & Mac), Excel for the web and Google Sheets (free)
- Not designed for Apple Numbers
- A Start Here tab walks you through setup in plain language
Instant delivery
Your download link arrives by email in your order confirmation, right after checkout. Download it on a computer for the easiest setup. Can't find the email? Contact us and we'll resend it.
Our promise
If the file won't open or doesn't work as described, contact us within 14 days and we'll fix it, or refund you. Because downloads can't be returned, we don't offer refunds for change of mind. See our refund policy.
Personal use only.
