Savings
Savings Goals & Sinking Funds Tracker
Track every goal and sinking fund, see which are on track, and when each will be fully funded.
Debt
Debt Payoff Calculator
Snowball vs Avalanche side by side: your debt-free date, total interest and a payoff chart.
USD 9 one-time Coming soon- Works in Excel + Google Sheets
- Any currency
- Instant download
- Secure checkout by Lemon Squeezy
Or get it with five more in the bundle for USD 19.
Who it's for
- You have more than one debt (cards, car loan, personal loan) and want a clear order to pay them off.
- You can't decide between the snowball and avalanche methods and want to see both with your own numbers.
- You want to know what paying a little extra each month is actually worth.
How it works
Buy and get your download link by email straight away.
Open the .xlsx in Excel, or upload it to Google Drive and open with Google Sheets.
On the Debts tab, list each debt's balance, APR and minimum payment, plus the extra you can pay each month.
Try it free first
Our free debt snowball vs avalanche calculator gives you a quick answer in your browser. The spreadsheet keeps the full picture, month by month.
What's inside
Dashboard
Total debt, your debt-free date under each method, interest saved by choosing Avalanche, and a chart of your balance falling over time.
Snowball & Avalanche schedules
The full month-by-month breakdown for each method: balance, interest, minimum payment, and where every extra payment goes.
One extra-payment input
Change how much extra you pay each month and every number, date and the chart update instantly.
Debts tab
Balances, interest rates (APR) and minimum payments for up to 8 debts, over a 15-year horizon.
Works in Microsoft Excel (Windows, Mac, web) and Google Sheets. No macros or add-ons. Use any currency. Example rows are clearly marked so you can delete them.
Questions
Snowball or Avalanche: which should I use?
The Dashboard shows both, calculated from your real numbers. Avalanche usually costs less interest overall; Snowball clears small debts fast, which some people find easier to stick with.
What if my debt doesn't pay off within 15 years?
The Dashboard shows "> 180 months". Add a larger extra payment and the schedule recalculates.
Will it tell me to consolidate or refinance?
No. It's a planning tool based on the numbers you enter, not a recommendation to refinance, consolidate or take on new debt.
Does it work in Google Sheets?
Yes. Upload the .xlsx file to Google Drive and choose "Open with Google Sheets". Formulas, dropdowns and charts work. You need a free Google account.
Which currency does it use?
Any. Amounts are plain numbers, so use whatever currency you earn and spend in.
How do I get the file?
Right after checkout you get a download link by email. Checkout is handled by Lemon Squeezy.
What if something doesn't work?
Email me. I'll help you fix it, and if I can't, I'll refund you.
Is this financial advice?
No. It's a planning and tracking tool based on the numbers you enter.
Get it in the bundle
Debt Payoff Calculator is one of the six spreadsheets in Money Reset 2027. If more than one part of your money needs attention, the bundle costs less than buying three separately.
- Bought separately
- USD 44
- Bundle price
- USD 19
- You save
- USD 25 (57%)
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