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Debt Payoff Tracker

Snowball or avalanche: see your debt-free date and the interest you save.

$9.99 USD · one-time

Buy on Etsy Buy direct: $8.99

🎉 25% off everything in our Etsy shop through Nov 4.

  • Google Sheets + Excel
  • Instant download
  • No formulas to touch

See your debt-free date today. This debt payoff tracker runs both the Snowball and Avalanche methods in Google Sheets or Excel, shows exactly how much interest each strategy costs, and maps every payment month by month — no formulas to touch.

Perfect for: anyone with credit cards, student loans or car loans who wants a debt-free date.

What it does

  • Dashboard: total debt, months to debt-free, debt-free date, total interest, monthly payment, plus a payoff chart and a balances-by-debt chart.
  • Debts: list up to 10 debts (name, balance, APR, minimum). Payoff order, months to payoff and interest paid are calculated for each one.
  • Plan: a 120-month schedule. Every debt gets its minimum; your extra payment and any freed-up minimums roll into the current target automatically.
  • Settings: switch Snowball ↔ Avalanche, change your extra payment, set your start month. Everything updates instantly.

WHAT YOU GET (instant download)

• PDF guide with your Google Sheets copy link

• Excel file (.xlsx) for Excel 2016 or newer, Windows and Mac

• Start Here tab with 5 set-up steps and sample debts you can replace

How it works

  1. Download the PDF, open the link, File → Make a copy (or open the Excel file).
  2. Enter your debts and pick a strategy on Settings.
  3. Try a bigger extra payment and watch the debt-free date move.

Compatibility

Google Sheets (free Google account) and Microsoft Excel 2016+. Set-up is easiest on a computer. Not designed for Apple Numbers.

License

Personal use (or one business of your own). Please don't resell, share or redistribute the files.

Pair it with the PlanfulPanda Monthly Budget Spreadsheet to plan where the extra payment comes from.

Designed by PlanfulPanda with AI-assisted tools; every formula and layout is hand-checked.

Questions about the Debt Payoff Tracker

What is the Debt Payoff Tracker?

The PlanfulPanda Debt Payoff Tracker is a spreadsheet template for Google Sheets and Excel. Snowball or avalanche: see your debt-free date and the interest you save.

Who is the Debt Payoff Tracker for?

It's made for anyone with credit cards, student loans or car loans who wants a debt-free date.

Does it work in Google Sheets and Excel?

Yes. You get a Google Sheets copy link and an Excel (.xlsx) file, Excel 2016 or newer. It isn't designed for Apple Numbers.

How much does it cost?

$9.99 USD on Etsy, or $8.99 when you buy direct through Payhip. It's a one-time purchase with no subscription.

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