{"product_id":"debt-payoff-tracker-spreadsheet-debt-snowball-vs-avalanche-calculator-extra-payment-what-if-payoff-dates-progress-tracker-excel-google-sheets","title":"Debt Payoff Tracker Spreadsheet – Snowball vs Avalanche Calculator","description":"\u003cp\u003eFind out exactly when you'll be debt-free, and how to get there faster.\u003c\/p\u003e\n\u003cp\u003eThe 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 \u003cstrong\u003eSnowball\u003c\/strong\u003e method (smallest balance first) with the \u003cstrong\u003eAvalanche\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003cp\u003eThen 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 \u003cstrong\u003ePayment Schedule\u003c\/strong\u003e shows exactly what to pay on each debt. The \u003cstrong\u003eProgress Tracker\u003c\/strong\u003e lets you log your real balance each month against your plan, with a progress bar, milestones and a debt checklist to cross off.\u003c\/p\u003e\n\u003cp\u003eIt works in \u003cstrong\u003eMicrosoft Excel\u003c\/strong\u003e and \u003cstrong\u003eGoogle Sheets\u003c\/strong\u003e (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.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's inside (5 tabs):\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here:\u003c\/strong\u003e a 4-step quick start, a colour key and Snowball vs Avalanche explained\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff:\u003c\/strong\u003e 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\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExtra Payment Scenario:\u003c\/strong\u003e 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\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProgress Tracker:\u003c\/strong\u003e 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\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment Schedule:\u003c\/strong\u003e up to 30 years, month by month, showing what to pay each debt, the interest and the total debt left\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eYou get:\u003c\/strong\u003e 1 .xlsx file (instant download). For personal use.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eThis is a digital download. No physical item will be shipped. Estimates only, not financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":48123194835105,"sku":null,"price":5.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0760\/8424\/8737\/files\/thumbnail_square_2000_a830c357-70ce-4ff3-9ae1-dd4608e419b4.png?v=1792271597","url":"https:\/\/blackstarcreative.us\/products\/debt-payoff-tracker-spreadsheet-debt-snowball-vs-avalanche-calculator-extra-payment-what-if-payoff-dates-progress-tracker-excel-google-sheets","provider":"Blackstar Creative","version":"1.0","type":"link"}