Google Sheets Templates Finance

Debt Payoff Tracker (Pro) — Snowball vs Avalanche Google Sheets + Excel Calculator with Debt-Free Date

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Advanced debt payoff calculator for Google Sheets & Excel. A real month-by-month engine: switch between Snowball and Avalanche, auto-rolls freed-up minimums, and projects your exact debt-free date, total interest and each debt's payoff month. Add an extra payment and watch the savings. Tracks up to 8 debts.

See the exact date you'll be debt-free — and how much interest you'll save. This isn't a static worksheet; it's a real month-by-month payoff engine. Enter your debts, pick a strategy, add an extra payment, and watch your debt-free date and total interest recalculate instantly. Works in Google Sheets and Excel.

What makes it powerful:

  • Snowball vs Avalanche — switch strategy with one dropdown (smallest balance first, or highest interest first) and compare the results side by side.
  • Automatic rollover — as each debt is cleared, its minimum payment rolls onto the next debt, exactly like the real debt-snowball method.
  • Debt-free date & total interest — a live projection across up to 10 years, updated the moment you change a number.
  • Extra-payment power — add any extra amount and instantly see how many months and how much interest you save.
  • Per-debt payoff timeline — the exact month each debt disappears, in priority order.
  • Dashboard & balance chart — total debt, monthly payment, payoff order and a balance-over-time graph.

Tracks up to 8 debts. Every figure is a live formula — nothing hardcoded — so it's yours to reuse for years. Yellow cells show exactly what to fill in. Delivered as an .xlsx: open in Excel, or import to Google Sheets via File ▸ Import ▸ Replace spreadsheet.

Auto-updating Net Worth with monthly trend
Zero-based budget with category rollover
Debt payoff: Avalanche vs Snowball compared
Subscription tracker with annual cost & cancel flags
Sinking funds & savings goals with pace
FIRE / savings-rate calculator (years to freedom)
One-tap buttons: Add Expense, New Month, Log Paycheck
30+ AI money prompts (spending reviews & scripts)
Instant access after purchase
Step-by-step setup guide included
Regular updates included
24/7 email support
  • Complete Personal Finance OS (duplicate to your Notion workspace)
  • Connected databases: Accounts, Transactions, Budget, Debts, Goals, Subscriptions, Net Worth Snapshots
  • Dashboards: Money Command Center, Monthly Review, Net Worth, Debt Freedom, FIRE
  • Pre-built formulas: savings rate, net worth, budget variance, payoff dates, interest saved
  • Avalanche vs Snowball debt comparison built in
  • Sinking funds & goal tracker with monthly contribution calculator
  • 30+ AI money-prompt pack (spending review, journaling, negotiation)
  • Video walkthrough (20+ min) + written setup guide (PDF)
  • Sample data you can clear in one click · multi-currency ready
Instant Delivery: After purchase, you'll receive instant access via the download link. No waiting, no shipping.

This product is perfect for:

  • Individuals tracking personal finances
  • Investors monitoring their portfolio
  • Anyone building financial discipline
  • Beginners and advanced users alike
  • Remote workers and digital nomads
How do I get access after purchase?
After payment is confirmed, you'll receive an instant access email with your download/duplicate link. You can also find it on the success page immediately after checkout.
Does it connect to my bank automatically?
No — Notion can't legally pull bank data, and that's actually a privacy win: nothing leaves your workspace. You log transactions in seconds with the one-tap "Add Expense" button (or paste your statement), and every dashboard updates itself.
Which currency does it use?
It ships in ₹ but every amount is a plain number, so you can switch to $/€/£ or any currency in one property setting. All formulas keep working.
Is the debt payoff really calculated for me?
Yes. Enter each balance, interest rate and minimum payment; the system shows your payoff date, total interest, and compares the Avalanche (save most interest) vs Snowball (fastest wins) strategies so you can pick.
What tools do I need to use this product?
All required tools and accounts are mentioned in the product description above.
Can I customize this product?
Absolutely! All our products are fully editable. Add, remove, or modify any section to fit your needs. It's yours — make it your own.
Is there a refund policy?
Due to the instant-access nature of digital products, we do not offer refunds after delivery. However, if you have any technical issues, our support team is available 24/7 to help.
How many devices / accounts can I use this on?
You can use it on all your personal devices and accounts. This is a personal use license — for commercial resale or team distribution, please contact us.
Will this product get future updates?
Yes! We regularly update our products with new features and improvements. All updates are free for existing buyers — you'll receive an email when a major update is released.

Customer Reviews

5.0
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5★
75%
4★
18%
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Amit K.
Verified Buyer

Excellent product! Saved me so much time. Highly recommended.

P
Priya R.
Verified Buyer

This is exactly what I was looking for. Beautiful and functional.

R
Raj S.
Verified Buyer

Great value for money. Very well organized and easy to customize.

₹299
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Instant access after payment
Digital delivery via email
Free future updates
24/7 support via email
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