Debt Payoff Tracker
Projects snowball and avalanche side by side, month by month, to the date each debt finally clears.
Anyone paying down several debts who wants to see, in months and in dollars, which payoff order actually costs less.
Digital download — the files are yours as soon as you pay, so there are no returns. What the file does is shown above and in the listing photos, before you buy.

What is inside
- Dashboard
- Debts
- Settings
- Snowball
- Avalanche
- Charts
- On your phone
Every tab is in one workbook. Thousands of rows are already formatted, so there is no question of what happens when you run out.
What it does not do
It does not connect to your lenders. You enter balances, rates and minimums once, and it projects from there.
It opens in Excel and in Google Sheets. No macros, nothing to install, no subscription — which is also why nothing in it can reach the internet on your behalf.
A closer look
Before you start
Snowball or avalanche? Both orders clear the same debts and one of them costs less. Put your own numbers in and see the difference — free, in the browser, nothing to install.



