{"product_id":"debt-payoff-tracker-snowball-avalanche-calculator-debt-free-planner-excel-google-sheets","title":"Debt Payoff Tracker | Snowball Avalanche Calculator | Debt Free Planner (Excel Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eSee your exact debt-free date, then watch it move earlier with every extra dollar.\u003c\/strong\u003e 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.\u003c\/p\u003e\n\n\u003ch3\u003eThe What-If Calculator\u003c\/h3\u003e\n\u003cp\u003eTry 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.\u003c\/p\u003e\n\n\u003ch3\u003eSnowball or Avalanche\u003c\/h3\u003e\n\u003cp\u003eCompare 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.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with a live payoff schedule\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF\u003c\/li\u003e\n\u003cli\u003eCSV export for non-Excel users\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside the system\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — enter each debt, balance, rate and minimum\u003c\/li\u003e\n\u003cli\u003eDashboard — total debt, payoff progress and your debt-free date\u003c\/li\u003e\n\u003cli\u003ePayoff Schedule — month-by-month plan per debt\u003c\/li\u003e\n\u003cli\u003eWhat-If Calculator — extra payment vs months and interest saved\u003c\/li\u003e\n\u003cli\u003eSnowball vs Avalanche — side-by-side comparison\u003c\/li\u003e\n\u003cli\u003eCost of Minimums — what paying only the minimum truly costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAnyone paying off credit cards, loans or student debt\u003c\/li\u003e\n\u003cli\u003ePeople who want a real date, not vague hope\u003c\/li\u003e\n\u003cli\u003eSnowball and Avalanche fans alike\u003c\/li\u003e\n\u003cli\u003eAnyone deciding how much extra to put toward debt\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInstant delivery\u003c\/h3\u003e\n\u003cp\u003eFiles 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.\u003c\/p\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal debt planning only. This is not financial advice; results depend on the figures you enter. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274168635585,"sku":null,"price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8048075162_ciyb.jpg?v=1780070888","url":"https:\/\/spendflowstudio.com\/products\/debt-payoff-tracker-snowball-avalanche-calculator-debt-free-planner-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}