Debt Payoff Tracker: Avalanche & Snowball Spreadsheet

See every debt, every payment and your estimated payoff date in one workbook. Enter your balances, interest rates and minimum payments, choose a strategy, and the tracker builds your payoff plan month by month.

What's inside

• Dashboard: total debt, weighted average interest rate, estimated debt-free date, total interest, payoff order and a balance-over-time chart.
• Avalanche or Snowball: switch strategies with one dropdown and compare the results. As each debt is paid off, its payment rolls into the next one automatically.
• Debts sheet: room for up to 10 debts (credit cards, lines of credit, loans, buy now pay later and more).
• Payment Log: record each payment and see how much you have paid and how far down each debt is.
• AI Helper: copy-and-paste prompts for the AI assistant you already use, to help you set up your debts, understand your results and do a monthly check-in.
• Start Here sheet: a short guide so you can set it up in about 10 minutes.

Good to know

• Includes both an English and a French (Québec) version of the file. Version française incluse.
• Delivered as Excel files (.xlsx). Formulas calculate automatically.
• Works in Excel and Google Sheets. For Google Sheets, upload the file to Google Drive and open it with Google Sheets.
• Your download link is emailed within minutes. If you don't see it, check your junk or spam folder.
• Includes three example rows to replace with your own debts.
• Results are estimates based on a fixed monthly payment and monthly interest. Your lender's exact figures may differ.
• This template is for organizing and learning only. It is not financial, legal or tax advice.
• 14-day refund if it doesn't work for you.