Debt Snowball Payoff Planner | Debt Tracker, Extra Payment Calculator & Debt Free Dashboard | Excel, Google Sheets + Offline App

Description

💸 DEBT SNOWBALL PAYOFF PLANNER 💸
Excel ✦ Google Sheets ✦ Offline App

Turn multiple debts into one clear payment plan. 🎯
Enter your balances, interest rates and minimum payments to see what to pay each month, which debt to focus on and when you could become debt-free. 🏁
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⚖️ COMPARE TWO PAYOFF STRATEGIES

❄️ Snowball: focus on the smallest balance first
🏔️ Avalanche: focus on the highest interest rate first

📊 The planner shows the projected payoff time, total interest and monthly payment schedule for each method.
🎁 Add one-time extra payments, such as a bonus or tax refund, and see how they change your plan.
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✨ WHAT YOU CAN DO

💳 Organize up to 25 debts in the spreadsheets
⚖️ Compare Snowball, Avalanche and minimum-only payments
📅 See a projected debt-free date and interest estimate
🗓️ Follow a month-by-month payment schedule
🎁 Plan extra payments
🧾 Log payments and monitor your remaining balances
🏦 Enter a statement balance when you have one for a more accurate progress snapshot
📈 Explore your results on a debt-free dashboard
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📦 WHAT'S INCLUDED

📗 Excel planner: BLANK version for your own information
📗 Excel planner: DEMO version with example data
🟩 Google Sheets planner: BLANK & DEMO, two ways:
🔗 One-click "Make a copy" links (PDF included)
📄 Google Sheets-compatible .xlsx files to upload yourself
💻 Offline HTML app
📘 Quick Start Guide

ℹ️ Google Sheets: click a link in the included PDF and Google makes your own private copy, or upload the Google Sheets-compatible .xlsx file to your Google Drive.
🔒 The Offline App opens in a browser and saves its data on your device.
🔄 Data entered in the app and spreadsheets does not automatically sync between formats.
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🚀 HOW TO START

1️⃣ Open a DEMO version to see how the planner works.
2️⃣ Choose the BLANK spreadsheet or open the Offline App.
3️⃣ Enter your debts and extra monthly payment.
4️⃣ Compare payoff methods and follow your schedule.
5️⃣ Log payments as you go. ✅
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📌 PLEASE NOTE

📥 This is a digital download; no physical item will be shipped.
🖼️ The screenshots show example data.
🧮 Payoff dates and interest are estimates based on monthly calculations. Lenders may use different interest methods, fees or statement dates, so confirm exact balances and payoff amounts with your lenders.
⚠️ This planner is for personal planning and is not financial advice.