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See the month you'll be debt free

Debt Snowball Spreadsheet

Type your debts once, pick how you want to pay them off, and see your debt-free date, the interest you'll pay and the interest you save compared with paying only the minimums.

SpreadsheetExcel + Google Sheets5 tabsInstant download

$7.99 one time, buy direct

Buy direct · $7.99

Instant download: the spreadsheet (.xlsx) and the free 8-page how-to PDF guide, right after you pay.

Buy on Etsy · $9.99

35% off on Etsy: code SAVE35

Try the free demo

Pay once, no subscription
No macros, no add-ons
Room for up to 50 debts
Free 8-page how-to PDF guide included

What's in the Debt Snowball Spreadsheet

Your debt-free date

Your debt-free date, months left, the interest you'll pay and the interest you save compared with paying only the minimums.

Three ways to pay it off

Snowball (smallest balance first), Avalanche (highest interest rate first, which usually costs the least interest) or your own order.

Payments that roll on

When a debt is paid off, its payment rolls into the next one automatically.

Room for 50 debts

Credit cards, store cards, car loans, student loans, personal loans, a mortgage, medical bills and more.

Extra payments

Add a bonus or a gift as an extra payment and watch your date move.

Month-by-month schedule

Every month worked out for you, covering up to 30 years.

Chart + payoff order

A chart of your balance falling to zero, and the month each debt disappears.

Built to catch mistakes

A Check column tells you exactly what a row needs, like a missing balance or a payment that doesn't cover the interest.

Three simple steps

Type your debts
The name, type, balance, APR and minimum payment for each one.
Pick how to pay them off
Snowball, Avalanche or your own order, plus any extra each month.
Read your Dashboard
Your debt-free date, months left and the interest you save, all worked out.

Watch the how-to

The 2-minute how-to video, start to finish.

Plus the free 8-page how-to PDF guide comes with your purchase.

Change one number, everything updates

Change the extra you pay each month or add a bonus, and your debt-free date, months left and the interest you pay update with it.

In Excel the formulas are locked, so you only type in the cream cells
The Dashboard tells you if something at the top needs fixing

What you get, how you get it and what you need

What you get

One spreadsheet file (the Debt Payoff Planner) with 5 tabs
The free 8-page Quick Start PDF guide, with real screens
A one-time purchase, no subscription

How you get it

Buy direct: right after you pay, you land on your download page with the spreadsheet and the guide.
On Etsy: open Purchases in a web browser and click Download Files. The Etsy phone app can't download files.
Open it in Excel. For Google Sheets, upload it to Google Drive, open it, then choose File, Save as Google Sheets.

What you need

Microsoft Excel or Google Sheets
No macros and no add-ons

Good to know

Numbers are estimates from the rates and payments you type. Real lenders may round or charge fees differently. It isn't financial advice.
Google Sheets doesn't keep the Excel formula locks, so type only in the cream cells there.
It's for your own use.
It's a digital download. Nothing is shipped.

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Questions

What's the difference between snowball and avalanche?

Snowball pays the smallest balance first, so you get quick wins. Avalanche pays the highest interest rate first, which usually costs the least interest. You can also choose your own order.

How many debts can I add?

Up to 50: credit cards, store cards, car loans, student loans, personal loans, a mortgage, medical bills and more.

Can I add a bonus or a gift?

Yes. Add it on the Extra Payments tab and watch your debt-free date move.

How far ahead does it plan?

The month-by-month schedule covers up to 30 years.

Does it work in Google Sheets?

Yes. Upload the file to Google Drive, open it, then choose File, Save as Google Sheets. Google Sheets doesn't keep the Excel formula locks, so type only in the cream cells.

Is it financial advice?

No. The numbers are estimates from the rates and payments you type, and real lenders may round or charge fees differently.

How do I get it after I buy?

Buy direct and you land on your download page right after you pay, with the spreadsheet and the free how-to PDF guide. On Etsy, open Purchases in a web browser and click Download Files.

Can I try it before I buy?

Yes. Try the free demo right in your browser before you buy.