Debt Payoff Calculator Spreadsheet

Compare estimated snowball and avalanche repayment plans using the debt balances, APRs, minimum payments and monthly budget you enter.

Digital spreadsheet download. Includes two original XLSX files: one blank workbook for your own entries and one example workbook with sample data. Start Here instructions are inside each workbook. No printed item, PDF, hosted Google Sheet or software license is included.

Designed for Microsoft Excel or Google Sheets after importing the XLSX file. A compatible spreadsheet application is required. Apple Numbers and other applications are not verified for this package.

Interest is estimated monthly using APR divided by 12. Lender figures and payment dates may differ. This spreadsheet does not connect to lenders or make payments.

This is an organizational template, not financial, tax, or legal advice. Results are estimates based on the numbers you enter. Microsoft Excel and Google Sheets are trademarks of their owners; this template is not affiliated with or endorsed by them.

Last updated: October 2026

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Personal use only. Making copies for other people, or sharing files or download links with anyone else, is not allowed.

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