Debt Payoff Tracker, Excel Spreadsheet, Snowball and Avalanche
A clean, blank Excel debt payoff tracker for organizing multiple debts in one place. You enter your own debts, balances, interest rates, and payments, and the tracker helps you compare two common payoff orders: the snowball method, which focuses on the smallest balance first, and the avalanche method, which focuses on the highest interest rate first. It is simple on purpose. It does one job well.
What is included
- debt-payoff-tracker.xlsx, an Excel spreadsheet for tracking debts using snowball and avalanche payoff orders
- guide.pdf, a guide that explains how to use the tracker in plain steps
- Space to record each debt, its balance, interest rate, minimum payment, and extra payments
- Formulas to update totals as you enter payments
Who it is for
This tracker is for anyone who wants a clear view of multiple debts and a structured way to track progress over time, without a monthly app fee.
What it is NOT
This is not financial advice. It is not a budgeting app, and it does not connect to a bank account. It makes no promise about payoff timing, savings, or results. It starts blank, because the numbers in it are yours to enter.
How the buyer uses it after purchase
Download both files, open the spreadsheet in Excel or import it into Google Sheets, follow the guide, and start by entering each debt.
Digital download, no shipping, no inventory. This is a planning tool only, not financial advice, and it makes no income or payoff promises.