Debt Payoff Planner

SEE YOUR DEBT-FREE DATE.

WHY THIS ONE

• Real month-by-month math, not a guess: every debt's interest is figured each month, and when one is paid off its payment rolls to the next.
• Snowball or avalanche: switch the method and see which gets you there faster and which costs less interest.
• Built for real use: peach cells are the only place you type, and formulas are protected so nothing breaks.
• Buy once: no subscription, no app, no monthly fee.

WHAT IT DOES

• List up to 10 debts: credit cards, car loan, student loans, personal loans, medical bills. Balance, APR and minimum payment.
• Pick Snowball (smallest balance first) or Avalanche (highest interest first) and add an extra payment each month.
• See the ORDER to pay, the month each debt is PAID OFF, the interest you'll pay on each, and the total you'll pay.
• Your DEBT-FREE DATE and total interest, right at the top.
• Overview dashboard: total debt, monthly payment, interest, months to debt-free and a debt-remaining chart.
• A Start Here tab with step-by-step instructions.

WHAT THIS IS NOT (no surprises)

• Not financial advice and not connected to your bank: you type your balances.
• Interest is estimated monthly from your APR; your lender's exact numbers may differ slightly.

Want the full budget too? Our Ultimate Budget Planner includes this debt planner plus a monthly budget, bills, savings goals and more.

Works In: Google Sheets (free Google account) on a computer or phone, AND Microsoft Excel: a tested Excel version (.xlsx) is included for Excel 365, Excel 2021 or newer, and free Excel for the web.

What You Get: a PDF with a link to make your own copy in your Google Drive, plus a download link for the Excel version. Digital product.

Great for: Debt Payoff, Debt Snowball, Debt Avalanche, Debt Tracker, Debt Free, Payoff Planner, Credit Card Payoff, Loan Tracker, Budget Spreadsheet, Money Planner, Finance Tracker, Debt Spreadsheet, Google Sheets