Find out exactly when you'll be debt-free and how much interest you can save.

This is a working calculator, not a printable tracker. Type in your debts and the workbook builds a full month-by-month payoff plan for up to 30 years.

What it does

• Handles up to 10 debts: credit cards, car loans, student loans, personal loans, store cards.

• Two proven strategies: Avalanche (highest APR first, least interest) and Snowball (smallest balance first, quick wins). Switch with one dropdown.

• Shows months to debt-free, your debt-free date, total interest and total paid.

• Compare sheet: Avalanche vs Snowball vs no extra payment, side by side, with interest saved.

• Schedule sheet: payment and remaining balance for every debt, every month. Freed-up minimums roll over automatically.

• Chart of your total balance falling to zero.

• Warning if a minimum payment doesn't even cover the interest.

What's included

• Debt-Payoff-Planner-Snowball-Avalanche.xlsx (Excel and Google Sheets)

• Quick Guide PDF (1 page, English)

Example included: 5 debts totaling $24,850 with $250 extra per month: Avalanche gets you debt-free in 31 months with $4,019.38 of interest, versus 48 months and $7,920.15 with no extra payment.

How to use (5 minutes)

1. Type your debts in the yellow cells.

2. Enter your extra monthly payment and pick a strategy.

3. Read your debt-free date and plan.

Compatibility: Microsoft Excel (desktop or web) and Google Sheets (upload the .xlsx to Drive and open with Sheets). Any currency works: just type your amounts.

Note: interest is estimated monthly (balance × APR ÷ 12). Lenders may use daily interest, fees or promo rates, so results are planning estimates. Educational tool, not financial advice.