{"product_id":"debt-payoff-planner","title":"Debt Payoff Planner — Snowball \u0026 Avalanche Calculator Spreadsheet","description":"\u003cp\u003e\u003cstrong\u003eSee your debt-free date — and what an extra $50 a month changes.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eList 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.\u003c\/p\u003e\n\u003ch3\u003eWhat it does\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eUp to 8 debts: credit cards, car loans, personal and student loans\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt-free date, months to go and total interest\u003c\/strong\u003e at the top\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRollover built in:\u003c\/strong\u003e when one debt is paid, its payment moves to the next\u003c\/li\u003e\n\u003cli\u003eFull 30-year month-by-month schedule\u003c\/li\u003e\n\u003cli\u003eFlags any debt whose minimum payment doesn't cover its interest\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\u003cp\u003eEstimates 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.\u003c\/p\u003e\n\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\u003cli\u003eDebt Payoff Planner spreadsheet (Start Here, My Debts, Schedule)\u003c\/li\u003e\u003c\/ul\u003e\u003ch3\u003eFormat \u0026amp; compatibility\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file\u003c\/li\u003e\n\u003cli\u003eWorks in Microsoft Excel (2010 and newer, Windows \u0026amp; Mac), Excel for the web and Google Sheets (free)\u003c\/li\u003e\n\u003cli\u003eNot designed for Apple Numbers\u003c\/li\u003e\n\u003cli\u003eA \u003cem\u003eStart Here\u003c\/em\u003e tab walks you through setup in plain language\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eInstant delivery\u003c\/h3\u003e\u003cp\u003eYour 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.\u003c\/p\u003e\u003ch3\u003eOur promise\u003c\/h3\u003e\u003cp\u003eIf 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 \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003ePersonal use only.\u003c\/small\u003e\u003c\/p\u003e","brand":"Linen \u0026 Ledger","offers":[{"title":"Default Title","offer_id":49768455078144,"sku":"LL-DEBT","price":12.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0859\/4155\/1360\/files\/debt-planner-1.jpg?v=1789534932","url":"https:\/\/linenandledger.org\/products\/debt-payoff-planner","provider":"Linen \u0026 Ledger","version":"1.0","type":"link"}