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Debt Snowball & Avalanche Payoff Tracker

Debt-free date, month-by-month payoff plan, snowball vs avalanche, payment log and a printable coloring chart

Debt Snowball & Avalanche Payoff Tracker: Snowball or avalanche — see your debt-free date
Snowball or avalanche — see your debt-free date
  • Debt Snowball & Avalanche Payoff Tracker: Snowball or avalanche — see your debt-free date
  • Watch your debt shrink: Debt-free date, milestones, payoff order and your next moves
  • One debt at a time: List up to 15 debts — the payoff order is set for you
  • Your plan, month by month: Up to 10 years — see the month each debt is paid off
  • Snowball vs avalanche: Same debts, same budget — see which one saves more interest
  • Debt-free coloring chart: Prints on one page — fills in itself or color it by hand
  • Log what you really paid: One row per payment — balances and statuses update themselves
  • Stay on track: Each month: what you paid vs plan — On track, Ahead or Behind

from $7.99 on Etsy

Price on Etsy may vary (sales, your currency).

View on Etsy
  • Google Sheets + Excel versions included
  • Instant digital download, nothing is shipped
  • Sample data and a Start Here tab
  • One-time purchase, no subscription

Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer.

See your debt-free date — and every milestone on the way. List your debts, pick snowball, avalanche or your own order, and this spreadsheet builds a month-by-month payoff plan, tracks what you really pay, and fills in a printable debt-free coloring chart as you go.

What's inside

  • Start Here

    Quick guide and setup: names, plan year, currency, payoff method, start month and the extra you can pay each month

  • Dashboard

    Pick any month: debt left, debts cleared, your debt-free date, interest saved, a progress meter with milestones, your payoff order and "Your next moves"

  • Debts

    Up to 15 debts with balance, APR, minimum and due day; the payoff order is set for you

  • Payments

    Log every payment you make (600 rows); a Check column flags anything to fix

  • Payoff Plan

    Month by month for up to 10 years: interest, minimums, extra, which debt gets the extra and when each one is paid off

  • Compare

    Snowball vs avalanche vs minimums only: debt-free date, total interest and total paid, side by side

  • Payoff Tracker

    A printable debt-free coloring chart: 100 boxes plus a 20-box row for every debt and your milestones

Why you'll like it

  • Your debt-free date in seconds — snowball (smallest balance first), avalanche (highest rate first) or your own order
  • A transparent plan: every minimum is paid, all extra money goes to one debt, and when a debt is paid off its payment rolls into the next one
  • See how much interest you save compared with paying minimums only, and what the other method would cost
  • Log what you really paid: On track, Ahead or Behind, late minimums flagged, and "Next up" always shows the one debt to focus on
  • Milestones that light up — first debt gone, 25%, halfway, 75%, debt-free — plus a friendly "Your next moves" list
  • Printable coloring chart: let it fill in from your payments, or print it blank and color a box for every 1% you pay off
  • One-time extras (a tax refund, a bonus), any currency, sample data included so you see it working (clearing it takes a minute)
  • Built by a data analyst — every number is a formula you can trace. No subscription, no app, no bank login

How you get it

  1. Download on Etsy

    Buy the template on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

    How to download

  2. Make a copy

    Click MAKE A COPY in the PDF: your own Google Sheet is saved to your Google Drive. Prefer Excel? Open the .xlsx.

    How to make your copy

  3. Start

    Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

    Clearing the sample data

You receive:

  • START-HERE.pdf — Google Sheets link + quick guide
  • debt-snowball-excel.zip — Excel version

Good to know

  • Interest is estimated monthly (APR ÷ 12), so lenders that charge daily interest can differ by a few dollars. If a statement differs, set the start month to this month and type today's balances.
  • Up to 15 debts and a 10-year plan; "Minimums only" looks 30 years ahead.
  • Best used on a computer; you can view it in the Google Sheets app on your phone.
  • For personal use. Please do not resell or share the files.

A planning tool. Not financial advice.

Designed by me with the help of AI tools.

View Debt Snowball & Avalanche Payoff Tracker on Etsy

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