See the month and year you'll be debt-free, and whether Snowball or Avalanche saves you more in interest and fees. Change one extra-payment number and watch your debt-free date move.

• Up to 10 debts: credit cards, personal loans, car loans, student loans, medical bills and installment plans

• Snowball vs Avalanche, side by side: payoff month and date for each debt, total interest & fees for each method, and how much you save

• True APR for fee-based installment plans: enter the flat fee and number of installments, and the sheet shows the real APR

• Month-by-month schedule for up to 120 months, with payments rolling over automatically when a debt is paid off

• Chart of your total balance over time, plus an editable currency symbol for $, £, € or any other currency

$4 one-time purchase. No subscription, no ads, no account, no bank login. Your data stays in your own file.

Find out the month and year you'll be debt-free and which payoff method saves you the most.

What's inside

• Up to 10 debts: credit cards, personal loans, car loans, student loans, medical bills, and installment plans

• Snowball vs Avalanche, side by side: see the payoff month and date (month/year) and the interest & fees for each debt, the total interest & fees for each method, and how much you save

• Extra-payment input: change one number and watch your debt-free date (month/year) move. Set your start month and every payoff shows as a real date

• Month-by-month schedule for up to 120 months, with payments rolling over automatically when a debt is paid off

• Chart of your total balance over time

• Editable currency symbol, so it works in $, £, €, or any other currency

Tested in LibreOffice Calc. Google Sheets not tested. Excel not tested. No macros.

Details and limits

• True APR for fee-based installment plans (store financing, card installment plans, longer-term BNPL financing): enter the flat fee and number of installments, and the sheet converts it to a real APR. A "small" 1.5% monthly fee on a 6-month plan works out to 30.23% APR (34.79% effective). Scheduled fees are counted in full even if you pay early, as most plans charge them. Standard interest-free 4-payment plans are usually 0% interest, so enter those at 0% APR. Avalanche puts fixed-fee plans last, because paying them early saves nothing.

• Warnings: any debt the plan can't clear within 120 months is flagged on the Debts tab, the verdict says so plainly, and interest totals are marked as covering the first 120 months only. A softer note shows when a minimum payment alone doesn't cover the interest.

• Input checks: out-of-range inputs (APR above 100%, balance above 1,000,000) are flagged in the Warning column and capped in the calculations.

Estimates only, not financial advice. Original work, licensed for personal use only.

Includes a PDF setup guide inside the zip.