Debt Payoff Pro 2026 - Snowball vs Avalanche Decision Spreadsheet with Debt-Free Date Calculator (Excel + Google Sheets)

Stop picking a debt payoff method on vibes. This spreadsheet runs BOTH methods on your actual debts, month by month, and shows the duel: your DEBT-FREE DATE under each method (a real date, not someday), TOTAL INTEREST under each so you see the exact dollar gap, your FIRST WIN under each (the month your first debt disappears), and a computed verdict in plain English. THE EXTRA-PAYMENT LEVER: type any extra amount and watch what it buys - months sooner, dollars saved. THE MINIMUMS TRAP: what paying only minimums really costs you, computed, not preached. One input tab (up to 6 debts + your budget); four engine tabs simulate 120 months with real interest and payment waterfalls - native formulas, no macros, works in any Excel and Google Sheets. Instant download. Estimates for planning, not financial advice.

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