Debt Payoff Calculator
This is the calculation a paper tracker can't do: real amortization math. Enter each debt's balance, interest rate, and minimum payment, plus how much extra you can put toward payoff each month, and this spreadsheet builds a full 36-month payoff schedule automatically under both popular strategies.What's inside (4 linked sheets):- Debts — list up to 10 debts (name, balance, APR, minimum payment) and your extra monthly payment; the sheet ranks them automatically- Snowball Plan — a full month-by-month schedule paying off smallest balances first, with a "months to debt-free" and "total interest paid" summary- Avalanche Plan — the same schedule, but paying off highest interest rates first- Comparison — the two methods side by side, a plain-English summary of how much the faster method saves you, and a chart of both payoff curvesDetails:- Instant digital download: one .xlsx file- Works in Microsoft Excel and Google Sheets- Every number is a live formula — change a balance, rate, or extra payment and the entire schedule recalculates- As each debt is paid off, its minimum payment automatically rolls into the next one, exactly like the real Snowball/Avalanche methods work- Not a PDF: this is a spreadsheet, so you'll need Excel or a (free) Google account to use it
Get it → studiotidynest.gumroad.com