Debt Payoff Planner — Snowball & Avalanche Spreadsheet

See the exact month you'll be debt-free. Enter your debts once and the planner shows months-to-payoff for every debt, how much interest you'll pay, and how dramatically an extra monthly payment shortens the timeline.

• Track up to 15 debts — balance, APR, minimum payment
• Extra payment simulator — watch a $4,200 credit card drop from 58 months to 15 with $200/mo extra
• Snowball or Avalanche — pick your strategy with one dropdown
• Payment log to track real progress

Works in Excel and Google Sheets. Instant digital download.

💡 Paying off debt AND budgeting? The Complete Money Bundle pairs this planner with the 2026 Budget Dashboard plus two more templates — all four for less than half the price of buying them separately.

Common questions

Do I need to install any software? No — it opens right in your browser with Google Sheets, which is free. Nothing to download, nothing to subscribe to.

Do I need to know Excel formulas? No — everything is pre-built. You just type your numbers in.

Can I buy this on my phone? Yes. Checkout takes seconds, and your download link is emailed straight to you — open it on a laptop later, or in the free Google Sheets or Excel app right away.

How does delivery work? Instantly. Your download appears right after checkout and is also emailed to you.

Google Sheets user? Import in one click — a Start Here guide is included.

✓ Instant download, emailed to you too. ✓ 30-day money-back guarantee — no questions asked. Refund policy.