UK Debt Snowball & Payoff Planner 2026/27 | Excel

Get free from debt with a plan that actually works — and actually works itself out for you.This UK-built Excel planner does the maths the moment you enter your debts. Pick Snowball (smallest balance first) or Avalanche (highest interest first), and the spreadsheet automatically works out which debt to attack, cascades your extra payment onto it, and rolls the freed-up minimum payment onto the next debt the second one is cleared — all with live, dynamic formulas, not a static printable.What's inside: A "Your Debts" tab — list up to 8 debts (credit cards, loans, overdrafts, BNPL, car finance) with balance, APR and minimum payment - A toggle to instantly switch between Snowball and Avalanche methods — see your order and payoff date update live - A 36-month automatic Payoff Schedule that cascades payments debt-to-debt, with your estimated debt-free date, total interest paid, and months remaining calculated for you - A Progress Tracker to log real payments, watch your total balance fall, and celebrate 25%/50%/75%/100% milestones - Plain-English stewardship notes — because getting debt-free is about more than the numbers - Fully editable Excel (.xlsx) — works in Excel, Google Sheets, and Numbers Why this one's different: most debt trackers are static printables or single-currency US templates where you manually re-order debts every month. This one is built for the UK (£, current tax-year assumptions), and the payoff engine is fully automatic — change your extra payment or add a debt, and every formula, order and date recalculates instantly.This is a budgeting and educational tool, not financial or debt advice. If you're struggling with debt, free confidential help is available from StepChange and National Debtline (Money and Pension Service / Debt Arrangement Scheme in Scotland).

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