Debt Payoff Planner Spreadsheet
Your debt-free date, worked out to the month, with the interest you save.
- Snowball vs. avalanche vs. minimums
- A payoff date for every debt
- 30 years of month-by-month schedules
Instant download after checkout. Sales tax, where it applies, is added at checkout.
- Files
- Blank .xlsx + filled-in example .xlsx
- Made for
- Microsoft Excel and Google Sheets
- Inside
- Your debts, payoff plan, 3 month-by-month schedules, payment tracker
Use this file for your own household or business. Do not resell, share, or redistribute the file or any part of it. Designed by Tally & Page with AI-assisted tools.
Features
What it does for you
- Plan up to 10 debts: cards, car, student, medical, and personal loans
- Compare snowball and avalanche side by side, against paying minimums only
- Debt-free date, months to go, total interest, and total paid at a glance
- Interest and months saved versus paying only the minimums
- Freed-up minimum payments roll into the next debt automatically
- Flags a minimum payment that doesn't cover the interest
- Charts for total balance over time and total interest by strategy
- Payment tracker with the latest balance and % paid off for every debt
How it works
From checkout to your first entry
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Buy and download
Your files are ready right after checkout. Nothing ships, and there is nothing to install.
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Open the file
Open the blank copy in Microsoft Excel or upload it to Google Sheets. There are no macros, add-ins, or passwords.
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Start with the example
Each spreadsheet comes twice: filled in with sample numbers, and blank. Read the example to see how the parts connect, then type your own numbers into the yellow cells of the blank copy.
The bundle
All 6 templates for $39
This template is in the bundle. Bought one at a time the 6 come to $81; the bundle saves $42.
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Questions
Before you buy
Is anything shipped to me?
No. Every template is a digital download. Right after checkout you land on your download page; bookmark it to download again later.
Can I use it for my business?
Yes, for your own household or business. Please don't resell, share, or redistribute the files or any part of them.
What if a file doesn't work?
Contact us from your order receipt within 10 days of purchase and describe what you see. We'll send a fixed file, or a refund if we can't make it work as described.
What do I need to use it?
Microsoft Excel and Google Sheets
Is it made with AI?
We design with AI-assisted tools. Before a file is listed, every spreadsheet is recalculated and checked for formula errors, and every link in a planner or guide is tested.
Is this financial, tax, or legal advice?
No. The templates help you organize your own numbers and work. For decisions about taxes, debt, or investments, talk with a qualified professional.