Debt Snowball and Avalanche Calculator Spreadsheet, Payoff Planner
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- 1 ZIP download · XLSX, ODS, ZIP formats · ZIP: XLSX + ODS, 7 tabs
- Buyer protection. Corrupt or mismatched files? Full refund.
Item details
Enter up to six debts and an extra monthly payment; the workbook builds a month-by-month payoff schedule for both the snowball method (smallest balance first) and the avalanche method (highest interest first).
Tabs inside: Example Debts - 5 fictional debts, extra payment and the results table | Example Snowball - 120-month example schedule, smallest balance first | Example Avalanche - 120-month example schedule, highest APR first | Debts - blank input table, results comparison and balance chart | Snowball - blank snowball engine (formulas only) | Avalanche - blank avalanche engine (formulas only)
What you get: - Debts tab for up to 6 balances with name, balance, APR and minimum payment; priority order for each method is calculated for you. - Example tab set shows 5 fictional debts and a $250 extra monthly payment, already calculated. - Snowball and Avalanche tabs each hold a 120-month schedule with opening balance, interest, minimum paid, extra paid and closing balance for every debt. - Line chart of total balance for snowball and avalanche over the first 60 months. - Monthly interest uses APR divided by 12 on the opening balance; the schedule stops showing activity once everything is paid.
Everything arrives in one ZIP: the .xlsx workbook plus an .ods copy of exactly the same 7 tabs, so it opens wherever you work. Use a spreadsheet application that supports XLSX or ODS. No macros, no add-ins, no logins. Styling uses Montserrat, a free open-license font, with a slate grey-blue palette; apps without it substitute a close match and everything still lines up. Everything is yours to edit; rename tabs, add rows or change colours freely.
The XLSX edition includes editable charts. The ODS edition contains the matching worksheets and formulas without embedded charts.
Works with XLSX spreadsheet apps, ODS spreadsheet apps.
File specs
| Formats | XLSX, ODS, ZIP |
|---|---|
| Dimensions | ZIP: XLSX + ODS, 7 tabs |
| Downloadable files | 1 ZIP download · XLSX, ODS, ZIP formats |
| Category | Planners & Printables |
| Last updated |
What you’ll download
- zipdebt-payoff-calculator-credit-card-2027.zip370 KB
License and usage
- Personal · $5.49
- Use the files in your own non-commercial projects: home prints, gifts, personal social posts and school work. Anything made with them can’t be sold.
- Commercial · $11.98
- Use the files in client work and in products you sell, up to 5,000 units across all products. Credit is appreciated but not required.
No license allows reselling, sharing or redistributing the original files as they are, including in free packs or AI training sets.
