Debt Payoff Planner: Snowball vs Avalanche Spreadsheet

See your debt-free date, and which payoff method gets you there for less. Enter your debts once and compare snowball and avalanche side by side. Works in Excel and Google Sheets.

• Up to 10 debts: balance, interest rate and minimum payment for each, plus any extra you can pay monthly.
• Side-by-side comparison: months to debt-free, payoff date, total interest and total paid for both methods.
• Month-by-month schedules: when one debt is paid off, its payment rolls onto the next automatically.
• Chart: watch your total balance fall over time.

Type only in the yellow cells; everything else calculates on its own. Example data included. Instant download: one .xlsx file. Open in Excel, or upload to Google Drive to use in Google Sheets.

This is a digital product. Nothing will be shipped. It is a planning tool, not financial advice; results are estimates based on the numbers you enter.