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.

✓ 30-day happiness guarantee — if it doesn't work for you, we refund it. Refund policy.