Personal Finance
Debt Snowball and Avalanche Payoff Tracker
See your debts ordered both by smallest balance and by highest interest rate, so you can choose a payoff strategy and track every payment against it.
- Delivery
- Instant download
- Purchase
- One-time payment
- Format
- Google Sheets
- Excel
- Updated
- September 2026
$5.90Buy on Etsy
What this spreadsheet does
Choosing between the snowball and avalanche debt payoff methods is hard without seeing your actual debts ordered both ways side by side.
What you can do with it
- Compare snowball vs. avalanche before choosing a strategy
- Track every payment against the plan
What's included
Sheet tabs
- Instructions
- Debt List
- Snowball Plan
- Avalanche Plan
- Payment Log
Features
- Debt list with balance and interest rate
- Snowball order (smallest balance first)
- Avalanche order (highest interest first)
- Payment log to track progress
How it works
- 1Open the file and read the Instructions tab once.
- 2Work directly in the tabs listed above — blue cells are yours to edit, black cells calculate automatically.
Who it's for
Anyone paying down multiple debts who wants a clear payoff plan.
These spreadsheets are planning tools. They do not replace professional financial or tax advice.
Frequently asked questions
What formats does this come in?
Google Sheets and Microsoft Excel 2016+. Open the Google Sheets link and use File > Make a copy, or download and open directly in Excel.
Is this a one-time purchase?
Yes. One payment, yours to keep and reuse.
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