$7.99
Know what Christmas will cost before December: budget, gift list for 100, dinner, and a savings plan.
Excel Google Sheets Apple Numbers No macros
See exactly when you’ll be debt-free — and how much interest you’ll save.
Enter up to 15 debts, pick Avalanche, Snowball, or a custom order, add an extra monthly payment, and get a payoff date, a 30-year month-by-month schedule with same-month rollover, interest saved versus minimums-only, and a progress chart.
Instant digital download. Nothing ships. Personal use only.
30-day guarantee: if a file doesn't open or work for you, email hi@aisheetlogic.com and we'll fix it or refund you in full. Details
Inside the workbook
Sample debts ship with the file so you can click through before replacing the yellow cells. These previews use that sample: Avalanche, $250.00 extra per month, starting November 2026.
How it works
- 1
Add your debts
On Debts, enter up to 15 names, balances, APRs, and minimum payments. Sample rows are included. Leave unused rows blank.
- 2
Pick a strategy
On Plan, choose Avalanche (highest interest first), Snowball (smallest balance first), or a custom payoff order, and set your extra monthly payment.
- 3
Read the schedule
Schedule builds a month-by-month plan out to 30 years. Same-month rollover moves freed-up money to the next target debt in the same month.
- 4
Check the finish line
Dashboard shows your debt-free month, total interest, interest saved versus minimums-only, and chart-ready progress.
Avalanche, Snowball, or custom
Switch payoff order anytime. Schedule and Dashboard recalculate, including same-month rollover.
A real payoff date
Months to freedom, plus the month you clear the last balance on this plan.
Interest saved, in view
Compare this plan with an estimate of paying minimums only, then watch the balance fall.
What’s included
- Avalanche, Snowball, or a custom payoff order
- Automatic debt-free payoff date and months-to-freedom
- Interest saved vs estimated minimums-only payoff
- Month-by-month Schedule with same-month rollover to the next target debt
- Dashboard with totals, progress, and a balance-over-time chart (Excel and Sheets); chart-ready table for Numbers
- Monthly check-in tab
- Up to 15 debts and a 30-year schedule
- $, £, and € editions, with sample debts prefilled
- Works in Excel (2016+ / Microsoft 365), Google Sheets (File → Import), and Apple Numbers (File → Open)
- No macros and no VBA
- Input vs formula colour legend, plus an Instructions tab and a README
What you receive
Debt_Payoff_Tracker.xlsx
Instructions, Debts, Plan, Schedule, Dashboard, and a monthly check-in tab. Classic formulas only — no macros, VBA, dynamic arrays, LET, or LAMBDA. $, £, and € editions.
Short README
How to open it in Excel, import it into Google Sheets, and open it in Apple Numbers, including what to expect from charts.
Yellow or cream cells are inputs. Light gray cells are calculated. $, £, and € editions are included, with sample debts.
Excel, Google Sheets, and Apple Numbers
Microsoft Excel
Open the file in Excel 2016+ or Microsoft 365. Enable editing if prompted. No macros.
Google Sheets
File → Import → Upload, then Replace spreadsheet. Or upload to Drive and Open with Google Sheets. Make a copy so you keep a clean original.
Apple Numbers
File → Open on Mac, iPad, or iPhone. Formulas recalculate. Charts may need a quick re-insert from the Dashboard chart columns. You can export back to Excel afterward.
Common questions
Which apps does this work in?
Microsoft Excel 2016 or newer and Microsoft 365, Google Sheets via File → Import, and Apple Numbers via File → Open. There are no macros.
Do I need to know spreadsheet formulas?
No. Cream and yellow cells are yours to edit. Light gray cells are formulas — leave them alone. Sample debts are already filled in so the charts work before you change anything.
What is the difference between Avalanche, Snowball, and a custom order?
Avalanche pays the highest APR first and usually costs less interest. Snowball pays the smallest balance first so you get faster early wins. Custom payoff order uses the sequence you set. Pay minimums on everything else, and put your extra payment plus freed-up minimums into the current target. Same-month rollover moves that freed-up money to the next debt in the same month. Switch the plan anytime and the schedule recalculates.
How many debts can I track?
Up to 15 debts and a 30-year schedule. Leave unused debt rows blank.
Will the charts work in Apple Numbers?
Core calculations recalculate in Numbers: debts, the Avalanche/Snowball toggle, the schedule, the payoff month, and interest saved. Embedded Excel charts may look different or be missing after import. The Dashboard still has chart-ready columns (Month #, Total Balance, Cumulative Interest, Cumulative Paid) so you can select them and use Insert → Chart. If the mode dropdown does not import, type Avalanche or Snowball in the mode cell.
What do I receive?
Debt_Payoff_Tracker.xlsx in $, £, and € editions, plus a short README covering Excel, File → Import into Google Sheets, and File → Open in Apple Numbers. The workbook includes a monthly check-in tab. Instant digital download. Nothing ships. Personal use only — do not resell or redistribute the file.
Is this financial advice?
No. It is a planning estimate, not financial, tax, or legal advice. Interest is estimated as monthly = Balance × (APR ÷ 12). Lender statements can differ because of day-count, fees, or compounding.
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Also in the Personal Finance Bundle
Monthly Budget Planner, Bill Tracker & Bill Calendar, Sinking Funds Tracker, and Debt Payoff Tracker together for $24.99, versus $34.96 if you buy them separately.
Get the tracker
$9.99 · Instant download · Excel, Google Sheets, and Apple Numbers. Or try the free debt payoff calculator.
30-day guarantee: if a file doesn't open or work for you, email hi@aisheetlogic.com and we'll fix it or refund you in full. Details
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