Debt Payoff Planner
Snowball or avalanche? Stop guessing. List your debts once and see four ways to pay them off side by side, your debt-free date, the interest each way costs, and what to pay each debt every month.
- Up to 20 debts, with any extra paid each month or each pay, in US dollars
- Two looks, Soft and Classic, each as a Blank and a filled-in Example
- Works in Microsoft Excel and Google Sheets (free)
- No app, no sign-up, no subscription. Nothing locked.
What's inside
My Debts
Cards, loans, buy now pay later and more, your method, and any extra you can pay.
Compare Methods
Minimums only, snowball, avalanche and your own order: months to debt-free, total interest and interest saved.
Two automatic charts
Total owing over time, and interest by method.
Payoff Plan
What to pay each debt every month until you're debt-free, with paid-off months highlighted.
Progress
Type what you owe now and see whether you're on track or behind.
Roll-over payments
When a debt is paid off, its payment rolls on to the next one automatically.
What you download
- Blank file, Soft look
- Blank file, Classic look
- Example file (filled in), Soft look
- Example file (filled in), Classic look
- Quick Start Guide (PDF)
Excel files (.xlsx) that also open in Google Sheets. This is a digital download; nothing is posted.