Debt Payoff Planner (Excel & Google Sheets)

See how long every debt will take to clear and how much interest extra payments save. Enter each balance, rate and minimum payment and the planner does the math.

What's inside

• Debts: balance, APR, minimum and extra payment for up to 12 debts, with months to payoff and total interest for each.
• Snowball and Avalanche order: see which debt to target first by smallest balance or highest rate.
• Summary: total debt, monthly payment, total interest and longest payoff time.
• Start Here: a short guide.

How it works

Type in the yellow cells and everything else calculates. Payoff times assume payments stay the same until each debt is gone.

Instant digital download. Works in Excel and Google Sheets. No physical item will be shipped. For planning only; not financial advice.