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Debt Snowball Spreadsheet & Payoff Planner
List your debts, pick snowball or avalanche, and see the month you will be debt-free.
$4.90Regular price $7-30%$7
Fall Sale: 30% off at checkout, ends Nov 15.
–Days––Hours––Min––SecA debt snowball spreadsheet that builds your month-by-month payoff plan for up to 10 debts, rolling each paid-off minimum into the next one. It works out snowball and avalanche side by side, so you see the interest and the debt-free date for both. Log real payments and statement balances, and print the color-in trackers to watch every balance shrink.
Format: Excel + Google Sheets · PDF guide
License: Personal & Business
Made for you if…
- You have two or more debts, like credit cards, a car loan or a medical bill, and want one clear plan
- You can't decide between the debt snowball and the debt avalanche and want to see both with your own numbers
- You'd rather use Excel or Google Sheets than a debt payoff app with a subscription
What you’ll get done
- A debt-free month you can see, and exactly what to pay on each debt every month
- Know how much interest avalanche saves vs snowball, and how much any plan saves vs paying only minimums
- Track real progress from your statements, on screen and on paper
What’s inside
- 01Blank debt snowball spreadsheet (.xlsx) for up to 10 debts
- 02Example file filled in for a household with 5 debts (2 credit cards, a car loan, a student loan and a medical bill) paying $300 extra a month
- 03Tabs: Debts, Plan (snowball, avalanche or custom order), Schedule (120 months), Comparison, Payments log and Dashboard with a balance-over-time chart
- 044 printable pages: debt list, color-in trackers with 100 boxes per debt, a whole-debt tracker and a monthly payment checklist
- 0511-page PDF guide, including how to open it in Google Sheets
- 06Prints on US Letter paper
Try the free version
Run the numbers with the Debt Snowball Calculator
See how fast you can be debt-free, and how much interest the snowball and the avalanche each save you. The Debt Snowball Spreadsheet & Payoff Planner keeps it going month after month.
Open the free tool
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Frequently Asked Questions
Does it work in Google Sheets?
Yes. Your PDF guide has a link that makes your own Google Sheets copy in one click, with no upload needed. It also works in Excel 2019 or later and Microsoft 365. Everything is plain formulas, with no macros or scripts.
Can I use the debt avalanche method instead of the snowball?
Yes. Pick Snowball (smallest balance first), Avalanche (highest APR first) or your own custom order from a drop-down. The Comparison tab always works out snowball and avalanche side by side, so you can see the difference in interest and in your debt-free date before you choose.
Does the snowball roll over paid-off minimums?
Yes. Your monthly total stays the same. When a debt is paid off, its minimum moves onto the next debt in line, and the schedule shows the bigger payment month by month.
Is it a download or a subscription?
A one-time download. Pay once and the files are yours, including the printable pages to print as often as you like.