Debt Payoff Planner (Snowball & Avalanche): overview — The cover and every screenshot show the actual file, with the example data that comes with it.

What it does

Up to 10 debts: balance, yearly interest rate (APR), and minimum payment or instalment
Snowball vs. Avalanche side by side: debt-free date, months, and total interest
Tells you which method saves more interest, in your own numbers
Month-by-month plan for up to 30 years: when a debt is paid off, its payment rolls into the next one
Payoff date and interest paid for every debt, plus a card minimum-payment helper with your own % and floor
Chart of your total debt over time, plus a warning if your monthly amount is too low

Who it's for

Anyone paying off credit cards, personal loans, car loans, or student loans who wants a clear plan and a finish date.

What's inside

Two .xlsx files (a blank copy and a filled-in example copy) with these tabs:

Start Here
Dashboard
My Debts
Snowball
Avalanche

Works with

Microsoft Excel 2010 or newer (Windows & Mac) and Google Sheets. No macros.

Licence

For your own personal or business use. Please don't resell or share the file.

Questions

Do I need Microsoft Excel?

No. The file also works in Google Sheets, which is free: upload it to Google Drive and open it with Google Sheets. In Excel it works in Excel 2010 or newer on Windows and Mac.

How do I get the file?

Right after payment you land on your download page. Your personal download link works for 30 days. If you close the page by accident, open My downloads: enter your PayPal email and the order number (Invoice ID) from your PayPal receipt to get your files again.

Which currency does it use?

Any. Amounts are plain numbers, so type them in dollars, pounds, euros, ringgit, pesos, or your own currency. Tax and fee settings are editable for your country.

Can I use it on my phone?

You can view and edit it in the Google Sheets or Excel app, but it is easiest to set up on a computer.

How do I pay?

Checkout is handled by PayPal. You can pay with your PayPal balance or a debit/credit card. We never see your card details.

How do I contact you?

Message us on WhatsApp at +62 851-2802-8406. We usually reply within one business day. Please include your order number (it starts with BDT- and appears as Invoice ID on your PayPal receipt).

What if the file does not work for me?

Message us on WhatsApp (+62 851-2802-8406) within 14 days of your purchase. We will help you get it working, and if we can't, we will refund you.

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