Debt Payoff Tracker | Snowball Avalanche Calculator | Debt Free Planner (Excel Google Sheets)

See your exact debt-free date, then watch it move earlier with every extra dollar. Enter your debts once and this planner builds a full payoff schedule using the Snowball or Avalanche method, then shows what happens when you add a little extra each month. Works in Excel and Google Sheets, with instant download.

The What-If Calculator

Try different extra-payment amounts and instantly see months saved and interest saved for each one. It is the fastest way to find a payment you can live with and understand exactly what it buys you.

Snowball or Avalanche

Compare both strategies side by side: Snowball clears the smallest balance first for quick wins, Avalanche targets the highest interest rate to save the most money. Pick the one that fits, or switch any time.

What you get

• Excel file with a live payoff schedule
• Google Sheets compatible
• Quick Start Guide PDF
• CSV export for non-Excel users
• Free lifetime updates

Inside the system

• Start Here — enter each debt, balance, rate and minimum
• Dashboard — total debt, payoff progress and your debt-free date
• Payoff Schedule — month-by-month plan per debt
• What-If Calculator — extra payment vs months and interest saved
• Snowball vs Avalanche — side-by-side comparison
• Cost of Minimums — what paying only the minimum truly costs

Who it is for

• Anyone paying off credit cards, loans or student debt
• People who want a real date, not vague hope
• Snowball and Avalanche fans alike
• Anyone deciding how much extra to put toward debt

Instant delivery

Files arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal debt planning only. This is not financial advice; results depend on the figures you enter. Designed and built by SpendFlow Studio.