Debt Payoff Planner Spreadsheet for Google Sheets and Excel

DEBT PAYOFF SPREADSHEET FOR GOOGLE SHEETS AND EXCEL

A debt payoff spreadsheet for anyone paying down more than one balance at a time. It walks each debt forward at its own rate and minimum, and sends every extra dollar to one debt first.
Works with cards, loans and bills side by side, and compares debt snowball against debt avalanche on your own numbers.

📊 WHAT IT DOES

✓ Debts: list each debt once, with its type, balance, rate and minimum. The payoff numbers fill in by themselves.
✓ Payments: log every payment you make, and the rest of the file reads from this.
✓ Payoff plan: walks your payoff schedule forward month by month, with each debt at its own rate and minimum.
✓ Strategy compare: lines up debt snowball, debt avalanche and your own order on your real balances.
✓ What if: shows how a bigger monthly payment changes your debt-free date.
✓ Utilization: shows how much of each card's limit you're using, the number your credit score reacts to.
✓ Promo rates: counts down the months left on a 0% rate and what the balance will cost once it ends.
✓ Balance transfer: works out what moving a balance to a 0% card would actually save you.

📂 WHAT'S INSIDE: 35 TABS AND 90 CHARTS

✓ The basics: Home, Start here, Setup, Debts, Payments
✓ Your plan: Payoff plan, Next up, Due dates, Strategy compare, What if
✓ Your progress: Plan vs actual, Freedom date, Milestones, Snowflakes, Money wins
✓ Credit cards: Utilization, Promo rates, Balance transfer, Credit health, Interest
✓ Bills and accounts: Starter fund, Debt by kind, Bills, Bill calendar, Income, Accounts, Net worth
✓ Savings: Savings goals, Sinking funds, Savings challenge
✓ Routine and help: Check-in, Notes, Catch-up, Read me, Free gift

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, fill in the shaded cells: your name, your extra payment each month, your start date and your payoff method.
3. Add every debt on Debts with its balance, rate and minimum, then log each payment you make on Payments.
4. Everything else fills in by itself. Home shows your total debt, your debt-free date and what you've paid off so far.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel on Windows or Mac
✓ A filled example to look around, and a blank copy for your own data
✓ A PDF with the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No add-ons, no subscription, no bank connection.
✓ Type only in the shaded cells. Formulas are protected, so you can't break them by accident.
✓ Best on a computer. The Google Sheets app works for quick entries on your phone.
✓ Amounts show in dollars. The formulas work the same in any currency.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.
This planner is a tool for your own records, not financial advice.