Debt snowball vs avalanche spreadsheet

Debt Payoff Tracker Excel — Snowball vs Avalanche

Put the balances in once. The file compares snowball (smallest balance first) and avalanche (highest APR first), then builds a month-by-month payoff plan for the method you pick.

What’s included

Debts list — name, balance, APR, minimum payment
Snowball and avalanche sheets with months to clear and estimated interest
Month-by-month payoff plan (switch the method at the top)
Summary vs minimums only
Six sample debts so you can see the formulas

Yellow cells are for your numbers. Gray cells calculate automatically. No macros. No monthly fee.

Open Debts, replace the sample rows, and set the extra payment. This is a spreadsheet, not financial advice.

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