Best debt payoff spreadsheet for snowball and avalanche
Which debt payoff spreadsheet should I use?
Any good one shows your debt-free date and total interest under both snowball and avalanche. If a free calculator covers your number of debts, start there; buy a template when you want both methods side by side on your real debts with a tracker you update monthly.
How we compared
- Snowball and avalanche support
- Free tier or preview
- Price as published
The options
| Option | Published price | Notes | Source |
|---|---|---|---|
| Debtfell Debt Payoff Planner (CyberMax) | from $9 | Snowball and avalanche on your real debts, side by side; Debt-free date and total interest for each; Excel and Google Sheets, one payment | Store page |
| Vertex42 Debt Reduction Calculator | basic free (10 creditors); Extended $9.95; Pro $39.95 | Pick it if the free version's 10 creditors is enough for you | Their page |
| Debt Payoff Tracker Spreadsheet (HBA Sheets, Gumroad) | $8.99 | Pick it if you prefer that tracker's layout | Their page |
| Debt Payoff Tracker, 4 strategies (Serenatas Store, Gumroad) | $9.99 | Pick it if you want to compare four strategies | Their page |
Rival prices as shown on each seller's own page, checked 2026-10-17. Prices change; check the seller's page before buying. Options whose price we could not confirm on that day are left out.
What Debtfell Debt Payoff Planner includes
- Snowball and avalanche on your real debts, side by side
- Debt-free date and total interest for each
- Excel and Google Sheets, one payment
- Free printable preview
Debtfell Debt Payoff Planner: See your debt-free date, then get there faster
from $9See your debt-free date, then get there faster
Secure checkout · 14-day fix-or-refund if it doesn't work as described (terms)Free how-tos
How to create a debt payoff spreadsheet in Excel or Google SheetsDebt avalanche vs snowball: which pays off faster, with an example
Free: the Free Planner Sampler
4 printable previews (budget, debt payoff, focus planner, habit tracker), then 5 short emails with formulas that make a budget stick.