{"product_id":"debt-payoff-tracker-snowball-avalanche","title":"Debt Payoff Tracker for Google Sheets and Excel, Debt Snowball Spreadsheet, Avalanche Method, Credit Card and Loan Payoff Planner","description":"\u003cp\u003e\u003cstrong\u003eDEBT PAYOFF TRACKER FOR GOOGLE SHEETS AND EXCEL\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eA debt payoff tracker for paying off credit cards, loans and medical bills with the debt snowball or debt avalanche method. List each debt once, add the extra you can pay each month, and see the month you will be debt-free. It also shows the interest and the time you save compared with paying only the minimums.\u003cbr\u003eTracks up to 10 debts.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📊 WHAT IT DOES\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Debts: type each debt once (balance, interest rate and minimum) and pick Snowball or Avalanche.\u003cbr\u003e✓ Debts: this month's payment for each debt, its current balance, a progress bar and its payoff month.\u003cbr\u003e✓ Payoff plan: your debt-free month, next to the month you would finish paying only the minimums.\u003cbr\u003e✓ Payoff plan: the interest and the time you save compared with minimum payments only.\u003cbr\u003e✓ Payoff plan: a month-by-month schedule with your total payment, where the extra payment goes, interest and the remaining balance.\u003cbr\u003e✓ Payoff plan: the order to pay off your debts and the month each one is gone.\u003cbr\u003e✓ When a debt is paid off, its payment moves to the next debt. That is why the plan beats the minimums.\u003cbr\u003e✓ Payments: log each payment. Balances, progress and the plan update on their own.\u003cbr\u003e✓ Charts show paid and left for each debt, your total debt month by month until it's gone, and what you paid each month.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📂 WHAT'S INSIDE: 4 TABS AND 3 CHARTS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Start here: four short steps and what Snowball and Avalanche mean\u003cbr\u003e✓ Debts: your debts, the extra each month, the method, four cards and one chart\u003cbr\u003e✓ Payoff plan: your debt-free month, interest saved, the month-by-month schedule and one chart\u003cbr\u003e✓ Payments: the payment log, three cards and one chart\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e📝 HOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003eOpen the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.\u003c\/li\u003e\n\u003cli\u003eOn Debts, type each debt from your statement: name, balance, interest rate (APR) and minimum payment.\u003c\/li\u003e\n\u003cli\u003eType how much extra you can pay each month, then pick Snowball or Avalanche.\u003c\/li\u003e\n\u003cli\u003eEach time you pay, add a line on Payments. Everything else fills in by itself, and Payoff plan shows your debt-free month.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003e\u003cstrong\u003e📥 WHAT YOU GET\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Google Sheets version (the link is in the PDF)\u003cbr\u003e✓ Excel version (.xlsx) for Microsoft 365 or Excel 2021 and newer, on Windows or Mac\u003cbr\u003e✓ A filled example to look around, and a blank copy for your own data\u003cbr\u003e✓ A PDF guide with screenshots, the links and the first steps\u003cbr\u003e✓ A video guide for this planner (the link is in the PDF)\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e💻 GOOD TO KNOW\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e✓ Works with a free Google account. No add-ons, no subscription, no bank connection.\u003cbr\u003e✓ You type your own numbers. Nothing is imported from your bank or lender.\u003cbr\u003e✓ Current balance is your starting balance minus your payments. Type the balance from your statement now and then to keep it exact.\u003cbr\u003e✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one.\u003cbr\u003e✓ Best on a computer. The Google Sheets app works for quick entries on your phone.\u003cbr\u003e✓ Amounts show in dollars. The formulas work the same in any currency.\u003cbr\u003e✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets.\u003cbr\u003e✓ English only. Not made for Apple Numbers.\u003cbr\u003e✓ Free updates for life.\u003c\/p\u003e\n\u003cp\u003e➕ WANT MORE?\u003cbr\u003e✓ Debt Payoff Spreadsheet: the full version, with what-ifs for extra payments and promo rates. 35 tabs.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-payoff-planner-spreadsheet-for-google-sheets-and-excel\u003c\/a\u003e\u003cbr\u003e✓ Debt-Free Bundle: debt payoff, paycheck budget, bill tracker and sinking funds in one set.\u003cbr\u003e\u003ca href=\"https:\/\/growlylabstudio.com\/products\/debt-free-bundle-debt-payoff-paycheck-budget-bill-tracker-and-sinking-funds-spreadsheets\"\u003ehttps:\/\/growlylabstudio.com\/products\/debt-free-bundle-debt-payoff-paycheck-budget-bill-tracker-and-sinking-funds-spreadsheets\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003eThis 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.\u003cbr\u003eThis planner is a tool for your own records, not financial advice.\u003c\/p\u003e","brand":"GrowlyLab","offers":[{"title":"Default Title","offer_id":67628664848537,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0738\/8613\/8521\/files\/il_fullxfull.8638768758_dgdp.jpg?v=1791387458","url":"https:\/\/growlylabstudio.com\/products\/debt-payoff-tracker-snowball-avalanche","provider":"GrowlyLab","version":"1.0","type":"link"}