Debt Payoff Calculator

Pick the best strategy, track every payment, and celebrate each milestone on the way to debt-free.

6 tabs: Dashboard, Debt List, Payoff Strategy, Payment Tracker, Milestones, Annual Summary
Compare Avalanche vs Snowball side by side
Track up to 20 debts with auto-calculated interest and payoff timeline
1,410 formulas — everything updates automatically
Works in Excel, Google Sheets & Apple Numbers
Instant download — available immediately after purchase

$9.99

One-time payment · Instant download · No subscription

Buy on Etsy — $9.99 Also available on Gumroad

Need a full budget? Pair it with the Personal Budget Tracker for complete money management.

What's inside

Six dedicated tabs to plan, track, and crush your debt:

📊 Dashboard KPI cards: total debt remaining, minimum payments, estimated payoff date, and total interest saved. Debt balances chart.

📋 Debt List Enter up to 20 debts. Monthly interest and payoff months auto-calculated from balance and APR using NPER function.

⚡ Payoff Strategy Avalanche (highest rate first) vs Snowball (smallest balance first) side by side. Enter extra monthly payment to see savings.

💳 Payment Tracker 200-row log. Each payment auto-splits into principal and interest. Remaining balance updates as you go.

🏆 Milestones Visual progress per debt: "Just started" → "Making progress" → "Halfway!" → "Almost there!" → "DEBT FREE!" Colour-coded.

📅 Annual Summary Month-by-month breakdown of payments per debt. Monthly payments trend chart auto-generated from your data.

Dashboard Tab

Debt List

Payoff Strategy

Milestones

Annual Summary with chart

Pairs well with

Personal Budget Tracker

Pair this calculator with our Personal Budget Tracker to manage your full financial picture — income, expenses, savings, and debt in two complementary spreadsheets.

View Budget Tracker — $9.99

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Debt Payoff Calculator What you're looking at now

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Personal Budget Tracker The perfect companion