The Debt Payoff: dashboard on laptop, tablet and phone – $30,173.56 debt at forecast start, $1,250.00 monthly budget, payoff projected 09/12/2028

Debt Payoff Planner – snowball and avalanche spreadsheet

Compare snowball, avalanche and your own order, then track what you actually paid.

Web app + Sheets
US · International · German

€8.98 for buyers in Germany, incl. 19% VATOne-time purchase · instant download

Etsy shows the final amount in your currency at checkout.

Buy on Etsy – €8.98

You'll check out on Etsy – how do I get my files?

After payment, download your files in a web browser – Etsy → You → Purchases and reviews → Download files, or the link in Etsy's order email if you checked out as a guest. The Etsy app can't download files.

Snowball, avalanche and custom order compared
Month-by-month plan with projected payoff date
What-if calculator for extra payments
Offline web app plus Google Sheets version

Paycheck & Debt Bundle: 3 tools, 25% off on Etsy →

In short

A debt snowball spreadsheet that shows the avalanche too

Debt Payoff Planner is a one-time download: an offline web app (no account needed) plus a separate Google Sheets™ template (free Google account) for listing your debts, comparing snowball, avalanche and your own payoff order month by month, and recording what you actually paid. No subscription.

With several debts, it's hard to tell which order makes sense and when the last one would be paid off. You enter each debt – balance, APR, minimum payment and due day – plus one monthly budget. The planner builds a month-by-month plan and puts Debt Snowball, Debt Avalanche, your own order and minimum payments only side by side: projected payoff date, months and total interest under its model. A what-if calculator tests a higher budget or an extra payment without touching your saved plan.

It's an estimate, not your lender's schedule. Interest is worked out as balance × APR ÷ 12, and lenders may use daily interest or fees. There's no bank connection, and nothing counts as paid until you record a payment.

An organizing tool – not financial, tax or legal advice.

Feature images

See it in action

Two ways to planThe dashboard in the web app and in Google Sheets, side by side.
Snowball or avalanche?Four strategies with the same debts, side by side.
What if you paid more?Test a change – your saved plan stays until you apply it.
Your month-by-month payoff planInterest, payment and balance for each debt, month by month.
Track what you actually payRecord payments, close a month and compare plan with actual.
All your debts in one placeEvery debt with APR, minimum, due day and promo rate.
Your data stays localBrowser storage, JSON backup and a separate demo; Sheets saves to your Google account.
Made for your regionUS, International and DACH editions with their own formats.
Reports and exportsCSV exports, print views and a JSON backup.

Inside the app

Real screenshots, sample data.

DashboardStrategy, payoff date, interest and progress.
My debtsBalance, APR, minimum, due day and projected payoff.
Compare strategiesFour strategies with the same budget.
Payoff planBalances by debt and a monthly overview.
What-if calculatorTest a change, save it and apply it only if you want.
Payment trackerActual payments, month close and balance corrections.

What's included

Offline Web App
A single HTML file that opens in your browser, without an account or subscription
Google Sheets Templates
Blank and with sample data, for 3 regions
Regional Editions
US, International and German (DACH)
START HERE Guide
Setup instructions in English and German (PDF)

What it does

Your debts and your plan

Balance, APR, minimum payment and due day for every debt, plus an optional promotional rate with an end month
One monthly budget – anything above the minimums speeds up the plan
Month-by-month plan with interest, payments and remaining balance per debt; freed-up payments roll over

Strategies

Debt Snowball: smallest balance first
Debt Avalanche: highest interest rate first
Your own order, plus minimum payments only as a baseline
Projected payoff date, months, total interest and interest saved side by side

Testing changes and tracking payments

What-if calculator for a new budget, a one-time or a recurring extra payment
Extra payments for one debt or following your strategy
Record actual payments with the principal and interest split
Payoff progress, debt breakdown, balance over time and interest vs. principal

In the web app

Save several scenarios – your plan only changes when you apply one
Close a month to compare plan vs. actual, and correct a balance to match your lender's statement
CSV exports, print views and a JSON backup

Web app or Google Sheets?

Both versions are in your download – each compares snowball, avalanche, your own order and minimum payments only. They are separate files; pick the one that fits how you work.

Topic	Offline web app	Google Sheets
Where your plan lives	In your browser, on this device	In your own copy in Google Drive
Account	Not needed	A free Google account
Works offline	Yes, once the file is open in your browser	Usually needs an internet connection
Number of debts	Not limited to 20	Up to 20 debts over 120 months
Strategies	Snowball, avalanche, your own order and minimums only	The same four, side by side
What-if	Save several scenarios and apply one	One what-if scenario
Plan vs. actual	Saved starting plan, month close and balance corrections	Actual payments, without a saved starting plan
Backup & history	JSON backup and CSV exports	Google's version history

They don't sync.

How it works

Buy on Etsy
Check out on Etsy, then download your files in a web browser – not in the Etsy app.
Open START HERE
The guide shows which web app file to open and has your Google Sheets copy links and the link for iPhone and iPad.
Start planning
Open the web app in your browser, or make your own copy of the Google Sheets template, and add your first entry.

More about how it works

Is it right for you?

A good fit if you …

have two or more debts and want to see which payoff order suits you
want a payoff date and an interest estimate based on your own numbers
like to test an extra payment before you commit to it
want to record what you really paid, not just what you planned

Maybe not the right fit if you …

want to plan all your bills and spending around paydays. Paycheck Budget Planner →
want to follow everything you own and owe over time. Net Worth Tracker →
want a monthly budget split into needs, wants and savings. 50/30/20 Budget Planner →
need your lender's exact figures or a bank connection – this is an estimate from your entries.

Debt Payoff Planner

€8.98 for buyers in Germany, incl. 19% VATEtsy shows the final amount in your currency at checkout.

Buy on Etsy – €8.98

One-time purchase · instant download · offline web app + Google Sheets

What you need

Device	Web app	Google Sheets
Windows or Mac computer	Open the HTML file in Chrome, Edge, Firefox or Safari	In your browser
Android phone or tablet	Open the file from Downloads with Chrome	Google Sheets app or browser
iPhone & iPad	Open the web-app link from your START HERE guide in Safari and add it to your Home Screen	Google Sheets app or browser

Editions

Edition	Format
US	USD, 10/11/2026, week starts Sunday
International	your currency, 11/10/2026, week starts Monday, UK English
German	EUR / CHF, 11.10.2026, German labels

Good to know

This is a planning estimate based on the numbers you enter – not financial, credit or legal advice and not a lender's official repayment schedule
Monthly interest is estimated as balance × APR ÷ 12; your lender may calculate differently (daily interest, fees)
No bank connection – you enter balances and payments yourself
The web app stores data locally in your browser – export JSON backups regularly
Web app and Google Sheets work independently and do not sync; plan vs. actual with a saved baseline is a web app feature
Instant digital download – no physical item will be shipped
For personal use only – sharing, forwarding or reselling the files is not allowed

Questions about the Debt Payoff Planner

Does it connect to my bank or lender?

No. There's no bank login and nothing is uploaded. You enter balances and payments yourself.

Why does my lender show a different interest amount?

The planner estimates monthly interest as balance × APR ÷ 12. Lenders may use daily interest, fees or other methods, so every date and amount here is an estimate.

Snowball or avalanche – which one should I pick?

That's your call. The comparison shows both with your own numbers: avalanche often means less interest under the model, while snowball pays off the smallest balances first.

Do I need an account?

The web app needs no account – you open the file in your browser. The Google Sheets version needs a free Google account. There's no stillmeasure. account and no subscription.

Where is my plan saved – and do the two versions sync?

The web app saves your plan in your browser on that device – export a JSON backup regularly. The Google Sheets version is your own copy in Google Drive. The two don't sync.

Does it work on my iPhone or iPad?

iPhone & iPad: open the web-app link from your START HERE guide in Safari and add it to your Home Screen. A downloaded HTML file on its own only opens as a preview on iPhone and iPad.

Can I use it in Excel?

It isn't supported. The spreadsheet is built for Google Sheets.