Google Sheets and Excel · version 1.0
Debt Payoff Planner
See the day you are debt free.
Type your debts once: balance, rate and minimum. Pick Snowball or Avalanche. See your debt free month, the interest you save and what to pay on each debt this month.
Pay on Etsy. Download right after you pay.
- Works on your phone with the free Google Sheets app
- Also Microsoft Excel 2010 or newer
- Something not working? Tell us and we fix it
How it works
- 1
MY DEBTS
Type each debt: balance, rate and minimum payment.
5 minutes
- 2
YOUR PLAN
Pick Snowball or Avalanche. Type any extra money you can add each month.
1 minute
- 3
PAY THIS MONTH
See what to pay on each debt.
0 minutes
Then read the top of MY DEBTS. "Your plan" says what you save in one line.
See it
What's inside: 5 tabs
- START HERE
- 3 steps to begin, the color code and an "Is everything OK?" check.
- MY DEBTS
- Up to 15 debts. Debt free date, months to go, the monthly payment, the interest, the pay order and the payoff month of each debt, plus what paying only the minimums would cost, and a chart.
- PAY THIS MONTH
- What to pay on each debt in any month. "Extra goes here" marks the debt to attack.
- PROGRESS
- Once a month, type what you still owe. A bar for each debt, and "on track" or "behind".
- SCHEDULE
- Every month until the last debt is paid, up to 30 years.
Made to be easy
- You type only in the yellow boxes. Example debts are filled in.
- Type the rate as 24.99 or 24.99%. Both work.
- When a debt is paid off, its minimum moves to the next one. The sheet does it for you.
- Orange "Check" words catch typos.
- Works on your phone with the free Google Sheets app.
What it counts
- Up to 15 debts
- Snowball, Avalanche or your own order
- The month of your last payment
- The interest you pay, and what you save next to paying only the minimums
- What to pay on each debt this month
- Every month, up to 30 years
What you get
- Debt_Payoff_Planner.xlsxYour planner, light look, with example debts
- Debt_Payoff_Planner_Dark.xlsxThe same sheet in dark mode. Use the one you like
- Quick Start Guide (PDF)2 pages in plain English, with buttons to make your own copy in Google Sheets
Works on
- Google Sheets (free), on your phone or computer. The guide has buttons to make your own copy.
- Microsoft Excel 2010 or newer.
- No macros. No add-ons. No account with us.
What it does not do
- No taxes and no bank connection. You type your own numbers.
- Not financial advice. It shows the math of your plan.
Ready to see your debt free date?
$3.98. One time. Download right after you pay. Open the guide, make your copy, type your debts. Six minutes.
Questions people ask
How do I get the files?
This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first.
Does it work on my phone?
Yes. Use the free Google Sheets app. The guide has buttons to make your own copy, light or dark. It also works in Microsoft Excel 2010 or newer.
Snowball or Avalanche?
Snowball pays the smallest balance first: quick wins keep you going. Avalanche pays the highest rate first: you pay less interest. Try both and compare.
Why is my bank a few dollars off?
The sheet counts interest as the yearly rate divided by 12, each month. Many banks count it by the day. It is close, not exact.
Does it connect to my bank?
No. You type your own numbers. Nothing leaves your sheet. It is not financial advice.
Something is not working. What do I do?
Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.
Good to know
- The debts are examples. Type yours over them.
- Interest is an estimate: the yearly rate divided by 12, each month.
- This is a planning tool. It is not tax, legal or financial advice.
- Single-user license: for you and your home. Please do not resell or share the files.
- We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.