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Debt Payoff Planner Spreadsheet
List every card and loan with its balance, the APR after the promo and the promo end date. Type what you can afford each month, pick snowball, avalanche or cliff-first, and the plan shows when each debt clears, the total interest and your debt-free date.
£8.39 on EtsyUK price, VAT included. Instant download, nothing is posted.
Bought it already? Here's where your files are.
What it does
- Shows months until each 0% deal ends, with a status (Safe, Plan now, Act now, Expired) that changes colour as it gets close
- Offers snowball, avalanche or cliff-first (soonest 0% expiry first)
- Builds a 60-month schedule for up to 10 debts, with overpayments rolling to the next debt automatically
- Charges no interest during 0% months and the real APR after
- Keeps a payments log and a balance-over-time chart
- Shows a dashboard with your debt-free date, total interest and the next cliff
What you get
- Four colourways: Pastel, Bright, Dark and Earthy
- For each colourway: an Excel file with example numbers, a blank Excel file and a Google Sheets copy link
- A PDF with the Google Sheets link for each colourway
- A zip of the Excel files (.xlsx)
Good to know
- Works in Google Sheets (free Google account needed to make your copy) and Excel 2016 or newer
- Input cells have a coloured border; everything else is worked out and protected, with no macros to enable
- Includes an Export to Calm Money tab for our Calm Money budget app (sold separately)
- Not financial advice
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