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Free Excel download
Free debt snowball vs avalanche sample (Excel)
A small three-debt payoff workbook you can open in Excel and edit. Yellow cells for balances, APRs, and minimums. Gray cells for ranks, interest, and months-to-clear. No macros. Author: Yellowcell.
What’s in the file
- Debts sheet — three sample debts, extra payment, plan start
- Snowball sheet — smallest balance first with NPER months and interest
- Avalanche sheet — highest APR first with the same metrics
- Compare sheet — side-by-side months, payoff date, and total interest
- How to use sheet
Yellow cells are for your numbers.
Gray cells calculate automatically.
Replace the sample debts with your own. Not financial advice.