Debt Payoff Planner — Snowball vs. Avalanche Calculator with Monthly Budget & Tracker

Stop guessing which debt to pay off first — see the actual date you'll be debt-free.This isn't just a calculator. It's a full financial planning system: your income and expenses laid out like a calendar, every debt in one place, and three payoff strategies compared side by side — so you know exactly which one gets you free fastest, and which one costs the least.What's inside✅ Income & Expenses Calendar — a full year, month by month, laid out like a calendar you already know how to use. Auto-totals every column and row, plus a trend chart showing income vs. expenses at a glance.✅ One place for every debt — name, balance, interest rate, minimum payment. That's it. The planner automatically ranks them for you two ways.✅ Snowball vs. Avalanche vs. Minimums Only — full month-by-month payoff schedules for all three strategies, so you can see exactly how many months and how many dollars in interest each one costs. Most people are shocked by the difference.✅ A real Dashboard — debt-free date, total interest paid, interest saved by choosing Snowball or Avalanche over minimums, and a chart of your balance shrinking to zero over time.✅ 24-Month Tracker — two full years, ready to fill in. Check your real balance against your statements each month and instantly see if you're ahead of plan (green) or behind (red).✅ Click-to-jump navigation — every tab has quick-jump buttons to every other tab. No hunting for the right sheet.✅ Built-in guide with visual examples — see exactly what goes where before you type a single number. Who this is for- Anyone with more than one debt who's not sure which to attack first- People who've tried a payoff calculator online but wanted their actual budget attached to it- Anyone who wants a real target date, not just "eventually"- People who want to see the cost of paying only minimums, in real numbersDetails- Format: .xlsx (Excel). Works in Google Sheets and Numbers too (chart styling may vary slightly).- No macros, no add-ons, no login. Just formulas.- Comes with realistic sample data so you can see how it works before entering your own numbers.- Instant download after purchase.A quick exampleIncluded sample: $33,700 across 5 debts. Paying minimums only: 59 months, $7,572 in interest. Adding one focused extra payment with Avalanche: 24 months, $2,238 in interest. Same income. Same debts. Different plan — 35 months and over $5,300 saved.Questions or an issue with the file? Message me — happy to help.

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