Debt Payoff Planner – Excel & Google Sheets

See your debt-free date, and get there faster.

A calm, simple debt payoff spreadsheet for Excel and Google Sheets. List your credit cards and loans, choose the debt snowball or debt avalanche method, and the planner builds your month-by-month payoff plan. No formulas to write, no apps, no subscriptions.

What's inside

• Debt payoff dashboard: your debt-free date, what's left to pay, what you've paid so far and how much interest you save compared to paying minimums only.
• Snowball vs avalanche calculator: both methods side by side, with debt-free date, months and total interest, so you can pick the one that fits you.
• Month-by-month payoff plan: exactly how much goes to each debt every month, how much is interest and what's left, up to 20 years.
• Debt list: up to 12 credit cards, loans or bills with balance, APR, minimum payment, progress bar, payoff order and paid-off date.
• Payment log: record every payment and watch the progress bars and balances update.
• Rollover built in: when a debt is paid off, its payment moves to the next one automatically.

Made to be easy

• Works in Microsoft Excel (Mac & PC) and Google Sheets
• Use any currency ($, €, £, A$…)
• Start in any month
• Step-by-step "Start Here" guide
• Includes a filled-in example version so you can see how it works

Who it's for

Anyone paying off credit card debt, a car loan, student loans, a personal loan or medical bills who wants a clear plan and a real finish line.

How you get it

This is a digital download. Nothing is shipped. Right after checkout you'll get a download link by email. Open the file in Excel, or upload it to Google Drive and open it with Google Sheets.

For personal use only. Dates and interest are estimates based on the numbers you enter. Not financial advice.