Debt Payoff Spreadsheet

Take control of your debt with a spreadsheet that plans your payoff for you. Just type in your debts — the Debt Payoff Spreadsheet builds your plan, tracks every payment, and shows your progress to debt-free.

What's inside (5 sheets):

• Start Here — friendly instructions, snowball vs avalanche explained simply
• My Debts — enter your creditors, balances, APRs, and minimum payments (example debts included — just replace them with your own)
• Payoff Plan — your snowball plan (smallest balance first) AND your avalanche plan (highest APR first), with months to debt-free and total interest calculated for each
• Payment Tracker — a 12-month log to record every payment
• Progress — a live dashboard: total debt, total paid, percent paid off, and debts remaining

Fully editable: works in Microsoft Excel and Google Sheets. Every total, payoff date, and progress number is a live formula — change a debt and your whole plan updates.

Instant download: This is a digital product. No physical item will be shipped. You will receive an editable .xlsx spreadsheet to use in Excel or Google Sheets.

Please note: this spreadsheet is a personal organization tool, not financial advice, and payoff estimates assume your APRs, minimum payments, and monthly payment stay constant with no new charges added.