Debt Payoff Calculator — Excel & Google Sheets Template

Get a real plan to become debt-free. This Excel & Google Sheets template builds both a snowball and an avalanche payoff schedule from your own balances and interest rates, so you can see exactly when each debt disappears.

What you get:

• Cover and Instructions sheet

• - Debt list with balances, interest rates, and minimum payments

• - Snowball payoff schedule (smallest balance first)

• - Avalanche payoff schedule (highest interest first)

• - Payoff date and total interest dashboard

• - Black and gold branded design

How it works:

Open the file in Excel or Google Sheets, enter each debt's balance, interest rate, and minimum payment, then add your extra monthly payment. The built-in engine calculates your full snowball and avalanche schedules and shows your debt-free date.

Instant download after purchase. Works on Windows, Mac, and Google Sheets.