Debt Payoff Planner

See the exact month you become debt-free.

See the exact month you become debt-free, then bring it closer. This planner does the math so you can stop guessing and start paying down debt in the order that works for you.

The spreadsheet takes up to eight debts and builds a full 120-month schedule: what to pay on each debt, every month, until each one hits zero. Switch between Snowball (smallest balance first) and Avalanche (highest interest first) in a single cell, change your extra payment, and watch your debt-free date and total interest update instantly.

It comes with a printable companion (a debt list, progress bars to color in and a payment log) for US Letter or A4. Works in Excel, Google Sheets and Numbers. Example debts are filled in; type straight over them.