Debt-Free Plan — Snowball & Avalanche Payoff Calculator (Excel + Google Sheets)

Enter your debts. Get your exact debt-free date.Debt feels endless when you can't see the finish line. This calculator shows it to you — the month and year you'll be free, how much interest you'll pay, and how every extra dollar speeds it up.✔ List up to 10 debts (balance, APR, minimum payment)✔ Pick your method: SNOWBALL (smallest balance first — quick wins) or AVALANCHE (highest APR first — least interest). Switch anytime with one dropdown.✔ Enter your extra monthly payment and watch the plan recalculate✔ Dashboard: debt-free date, total interest, per-debt payoff dates, balance curve chart✔ Full month-by-month payoff schedule (120 months) — see payments roll over as each debt diesThe smart engine other templates fake: as each debt is paid off, its minimum payment automatically rolls into attacking the next one — the real snowball effect, calculated month by month.Works in Excel AND Google Sheets (import instructions inside). Instant download. Educational planning tool — not financial advice; results are estimates based on monthly compounding.

Found on Devadex — the discovery index for independent software the big search engines bury. More from gumroad.

Report this listing