Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart

Debt Payoff Tracker Spreadsheet – Snowball vs Avalanche Calculator

$5.00
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Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 2
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 3
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 4
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 2
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 3
  • Debt payoff tracker spreadsheet comparing snowball and avalanche payoff dates with progress chart, view 4
Debt Payoff Tracker Spreadsheet – Snowball vs Avalanche Calculator

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Debt Payoff Tracker Spreadsheet – Snowball vs Avalanche Calculator

$5.00

Find out exactly when you'll be debt-free, and how to get there faster.

The Debt Payoff Tracker is one simple spreadsheet that does the math for you. Enter up to 10 debts (balance, APR and minimum payment) plus any extra you can pay each month. It compares the Snowball method (smallest balance first) with the Avalanche method (highest interest first), and with paying only the minimums. You see your payoff order, the month each debt is paid off, your debt-free date and the total interest for each method.

Then try a what-if. Add $50, $100 or $500 a month, or a one-time lump sum like a tax refund or bonus, and see how many months and dollars it saves. A month-by-month Payment Schedule shows exactly what to pay on each debt. The Progress Tracker lets you log your real balance each month against your plan, with a progress bar, milestones and a debt checklist to cross off.

It works in Microsoft Excel and Google Sheets (free), on desktop or online. No macros, add-ins or subscriptions. A Start Here guide gets you going in minutes, and the formula cells are protected so you can't break anything by accident.

What's inside (5 tabs):

  • Start Here: a 4-step quick start, a colour key and Snowball vs Avalanche explained
  • Debt Payoff: your debts and plan, KPI cards (total debt, debt-free date, months to go, interest saved), Snowball vs Avalanche vs minimums only, a payoff timeline by debt, a balance-over-time chart and a payoff-date chart
  • Extra Payment Scenario: a what-if for an extra monthly amount and/or a one-time lump sum, with a 3-way comparison (minimums vs your plan vs your plan + extra) and a chart
  • Progress Tracker: a monthly log of your actual vs planned balance, a progress bar, % paid off, ahead/behind plan, milestones (10% → debt-free), a debt checklist and a chart
  • Payment Schedule: up to 30 years, month by month, showing what to pay each debt, the interest and the total debt left

You get: 1 .xlsx file (instant download). For personal use.

This is a digital download. No physical item will be shipped. Estimates only, not financial advice.

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