{"product_id":"debt-payoff-tracker-spreadsheet-snowball-avalanche-planner-excel-google-sheets","title":"Debt Payoff Tracker Spreadsheet, Snowball Avalanche Planner (Excel Google Sheets)","description":"\u003cp\u003e\u003cstrong\u003eTrack every debt. Pick your strategy. Watch your freedom date get closer.\u003c\/strong\u003e Most people in debt have no idea when they will be out of it. Debt Payoff Pro brings every credit card, student loan, car loan and medical bill into one calm, color-coded command center. Score your freedom, pick Snowball or Avalanche, and watch your debt-free date move closer every month. Works in Excel and Google Sheets, with instant download.\u003c\/p\u003e\n\n\u003ch3\u003eDebt Freedom Score (0–100)\u003c\/h3\u003e\n\u003cp\u003eAn auto-calculated score built from five weighted components that moves as you make payments and update balances. Above 85 means stay the course; below 50 means an aggressive plan is needed.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel file with 8 tabs and 383 live formulas\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets compatible\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide PDF (6 pages, beginner friendly)\u003c\/li\u003e\n\u003cli\u003eSnowball vs Avalanche Strategy Guide PDF (6 pages)\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\u003eThe engines\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Freedom Score Engine\u003c\/strong\u003e — one number from 0 to 100 across Total Debt Reduction (30%), Payoff Timeline (25%), Interest Saved (20%), Monthly Discipline (15%) and Emergency Buffer (10%).\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball Engine\u003c\/strong\u003e — auto-sorts debts smallest balance first for quick emotional wins and momentum.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAvalanche Engine\u003c\/strong\u003e — auto-sorts debts highest APR first to save the most interest mathematically.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Timeline Engine\u003c\/strong\u003e — a 24-month projection with starting balance, payment, interest and ending balance, plus auto-flagged milestones.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInterest Saved Engine\u003c\/strong\u003e — a side-by-side of minimum-only payments versus your plan, with total dollars and years saved.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eInside every tab\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eStart Here — four-step quickstart and tab overview\u003c\/li\u003e\n\u003cli\u003eDashboard — 5 KPI cards, strategy switcher and charts\u003c\/li\u003e\n\u003cli\u003eDebts — 15 debts with balance, APR, payments and payoff month\u003c\/li\u003e\n\u003cli\u003eSnowball — auto-sorted smallest balance first\u003c\/li\u003e\n\u003cli\u003eAvalanche — auto-sorted highest APR first\u003c\/li\u003e\n\u003cli\u003ePayoff Schedule — 24-month projection with milestones\u003c\/li\u003e\n\u003cli\u003eInterest Saved — your plan vs minimum-only comparison\u003c\/li\u003e\n\u003cli\u003eMilestones — 8 wins from emergency fund to debt-free\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it is for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eCredit card strugglers juggling multiple cards\u003c\/li\u003e\n\u003cli\u003eStudent loan borrowers with five or six figures of loans\u003c\/li\u003e\n\u003cli\u003eYoung professionals starting their debt-free journey\u003c\/li\u003e\n\u003cli\u003eFamilies and couples tackling debt together\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, a Quick Start Guide PDF and a Snowball vs Avalanche Strategy Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.\u003c\/p\u003e\n\n\u003ch3\u003eFile details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFormat: .xlsx and .csv\u003c\/li\u003e\n\u003cli\u003e8 spreadsheet tabs plus PDF guides\u003c\/li\u003e\n\u003cli\u003e383 live formulas\u003c\/li\u003e\n\u003cli\u003eCompatible with Excel 2016+, Google Sheets, LibreOffice and Numbers\u003c\/li\u003e\n\u003cli\u003eFree lifetime updates\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003cem\u003eFor personal budgeting and organization only. This is not financial advice; interest savings depend on your own balances, rates and payments. Designed and built by SpendFlow Studio.\u003c\/em\u003e\u003c\/p\u003e","brand":"SpendFlow Studio","offers":[{"title":"Default Title","offer_id":50274101002433,"sku":null,"price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0864\/6446\/3041\/files\/il_1080xN.8062882865_h7bz.jpg?v=1780069432","url":"https:\/\/spendflowstudio.com\/products\/debt-payoff-tracker-spreadsheet-snowball-avalanche-planner-excel-google-sheets","provider":"SpendFlow Studio","version":"1.0","type":"link"}