Debt Payoff Tracker: Snowball vs Avalanche Calculator (Excel/Google Sheets)

Find your debt-free date and see exactly how much interest you can save. Type in your debts once and this spreadsheet compares the Snowball method (smallest balance first) with the Avalanche method (highest interest first), month by month.

You get:

• Debt Payoff Tracker (Excel + Google Sheets): works with Microsoft Excel, Google Sheets, LibreOffice and Numbers

• Up to 10 debts: balance, APR and minimum payment, in any currency

• Dashboard: debt-free date, months to go, total interest and interest saved, Snowball vs Avalanche side by side, with a chart

• Full month-by-month plan for each method (up to 30 years) with the payoff order

• Extra-payment what-if: change one cell and watch the debt-free date move

• Progress Log: record what you really paid and watch your balance fall

• A filled-in sample file with 5 example debts + a clean blank copy for your own numbers

• Quick Start Guide (PDF)

How it works: pay ₹149 (about $1.70) with your name and email, and your download link appears right after payment and is emailed to you. For personal use. No reselling or sharing of the files.

This is a planning tool, not financial advice. Interest is estimated monthly with fixed rates, so your lender's figures may differ slightly.

We don't do refund & return ✌️

— ZMS