Debt Payoff & Savings Goal Tracker – Snowball vs Avalanche Excel Planner

Stop guessing which debt to attack first. Let the numbers decide.If you've got more than one debt, you've probably wondered whether to pay off the smallest balance first for quick wins, or the highest interest rate first to save money long-term. Most people never actually run the numbers — they just guess, or pay whatever feels urgent that month. This tracker runs both calculations for you, automatically, every time you update a balance.Why this matters more than it seems:The difference between Snowball and Avalanche strategies can mean months of difference in your debt-free date, and real money in interest paid. Most debt calculators online make you re-enter your numbers every time something changes. This one lives in a spreadsheet you already control, updates itself as you log payments, and never asks you to start over.What's inside:📋 Debt List — Every debt in one place: balance, interest rate, minimum payment, and any extra you're putting toward it.⚖️ Snowball vs. Avalanche — Your debts, automatically ranked two ways side-by-side: smallest balance first (Snowball, for psychological momentum) or highest interest first (Avalanche, for maximum savings). No manual sorting, no separate calculator.💳 Payment Log — Track every payment against every debt, with a simple dropdown to pick which debt you're paying down.🎯 Savings Goals — Because getting out of debt shouldn't mean giving up on saving entirely — track an emergency fund or your future debt-free celebration alongside your payoff plan.📊 Live Dashboard — Total debt remaining, total paid to date, minimum versus extra payments, a pie chart of debt by creditor, and a bar chart comparing balance against extra payments across every debt.Built for real use, not just looking nice:The ranking formulas re-sort themselves automatically every time you update a balance — you'll always see your current payoff order without touching a single formula. Charts are built to stay clean even with unused debt slots, so there's no clutter as your list changes over time.Works everywhere:No subscription, no account, no debt-tracking app taking a cut of your data. A standard Excel file for Excel, Google Sheets, or LibreOffice.Perfect for: anyone juggling more than one debt who wants a clear, automatic plan instead of a mental spreadsheet — or a paper napkin calculation that never quite gets finished.

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