Debt Snowball Spreadsheet

See your debt-free date. Type in your debts and how much you can pay each month, and this spreadsheet builds your whole payoff plan, month by month. Switch between SNOWBALL (smallest balance first) and AVALANCHE (highest interest first) and watch the date and total interest change instantly. WHAT'S INSIDE - My Debts: up to 10 debts, monthly budget, method picker (Snowball / Avalanche / your own order) - Payoff Plan: 30 years of month-by-month rows. When one debt is cleared, its payment rolls onto the next one automatically - Dashboard: debt-free date, months to go, total interest, payoff order with the month each debt clears, a balance chart, and progress bars - Payment Log to track what you actually pay - Warnings if your budget is below your minimums or a debt will never clear WHAT YOU GET - 2 versions: £ (GBP) and $ (USD) - Quick Start guide (PDF) HOW IT WORKS - Download the files from your Etsy Purchases page - Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets - Excel: just open it (Excel 2010 or later, Windows or Mac, or Excel for the web) - Type in the cream cells. Everything else updates on its own - A Quick Start PDF walks you through setup in 5 minutes GOOD TO KNOW - Plain formulas only: no macros, no add-ins, no subscriptions - Formula cells are locked so you can't break them by accident (no password, so you can unlock and customise) - Apple Numbers and LibreOffice aren't officially supported PLEASE NOTE - This is a DIGITAL download. Nothing physical will be shipped. - Personal use only. Please don't share or resell the files. This is a planning tool, not financial advice. Interest is estimated monthly, so real statements can differ slightly. Designed by Thexton Labs. Artwork and layouts were created with our own code, with the help of AI tools.