Shown with four fictional debts and $150 extra a month.
Open largerSnowball or avalanche, with an estimated payoff month for each debt
Snowball or avalanche: the order to pay your debts, and an estimated month each one is paid off. Excel, with a Google Sheets copy.
Payoff Date Finder
- Snowball, avalanche and minimum payments only, side by side. The sheet never calls one method better: the choice is yours.
- Pay this month shows the minimum plus any extra the plan sends to that debt.
- When a debt is paid off, its minimum rolls to the next debt in your order.
- Check in once a month with balances from your statements, and the plan starts again from your latest row.
- A fit check comes first. If this isn't the right tool for your situation, it shows no plan and points you to official information instead.
- 13 built-in checks catch text in number cells, negatives, duplicate names, check-ins out of order and broken formulas, and say what to fix.
No bank connection
It works only with the numbers you enter.
Visible formulas
Nothing hidden behind a black box.
Real screens from the files you get
A debt payoff spreadsheet: snowball or avalanche, what to pay each debt this month, and an estimated payoff month for each, beside minimum payments only. Excel, with a Google Sheets copy.
Both methods side by side, with an estimated payoff month for each debt.
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A fit check comes first, and 13 checks say what to fix.
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Enter each debt's balance, APR and minimum from your statements.
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Start Here walks you through your first ten minutes, as numbered steps.
Open largerFiles in this download
- 01 Start Here (PDF, 3 pages): your first ten minutes, how the estimate works, the Google Sheets link, privacy and limits.
- 02 Payoff Date Finder (Excel): Start Here, Plan, Debts, Check-ins, Schedule and Checks tabs. Room for 10 debts and 60 monthly check-ins. The month-by-month math is on Schedule if you want to follow it.
- A Google Sheets copy: open the link in Start Here while signed in to Google, choose Make a copy, and it saves to your own Google Drive.
- 03 License and Support (PDF).
Your first session
- 1On Start Here, answer the four fit-check questions for yourself.
- 2On Debts, type over the four example rows: each debt's balance, APR and minimum payment, from your latest statements.
- 3Back on Start Here, choose snowball (smallest balance first) or avalanche (highest APR first), the extra you can add each month on top of the minimums, and your first payment month.
- 4Plan shows your payoff order, what to pay each debt this month, an estimated payoff month for each, and both methods side by side with minimums only.
- 5Each month, add a row on Check-ins with your new balances. Type 0 for a debt you've paid off.
Household Money Plan Bundle
Want the whole set? The Household Money Plan Bundle puts Sinking Fund Jars, Payday Lineup and Payoff Date Finder together, with a couples money meeting. Coming in December.
Is this the right tool for you?
Good fit
People who can make every minimum payment, with every debt current at a fixed rate, planning their own payoff.
Not designed for
Variable or promotional rates, fees or penalties, debts that are behind or in collections, settlement, bankruptcy, credit repair, consolidation or refinancing.
What this product does and does not do
- The workbook is built for desktop Microsoft Excel on Windows or Mac. Apple Numbers isn't supported.
- The Google Sheets copy works in Google Sheets in a web browser and in the Google Sheets app. Making your copy needs a free Google account, and your entries are then stored in your Google account.
- The Start Here and License PDFs open in any PDF reader.
- These tools organize scenarios using information and assumptions you enter. They do not connect to banks or lenders, verify inputs, predict outcomes, recommend actions, calculate taxes or benefits, or replace professional advice.
- Interest is estimated once a month at APR ÷ 12. Many cards calculate interest daily, so your lender's numbers will differ. Verify every balance, rate and payoff amount with the lender.
- Do not enter credentials, full account numbers, Social Security numbers, policy numbers, or unredacted statements. If you use Google Sheets, your data is stored in your Google environment and is not offline-only.
- Use it if you can make every minimum payment, every debt is current with a fixed rate, and you're planning your own payoff. It isn't for variable or promotional rates, fees or penalties, debts that are behind or in collections, settlement, bankruptcy, credit repair, consolidation or refinancing. It never calls one method better: it shows both, and the choice is yours.
- The names and amounts in the examples and photos are fictional.
- Made with AI assistance: Everstack Studio created this spreadsheet with the help of AI tools. Every formula and page was reviewed and tested before release.
- For educational and planning purposes only; not financial, investment, tax, or legal advice. Verify inputs and consult a qualified professional for decisions specific to you.
License
Personal and household use: you may share it with people in your household for your household's planning. No resale, redistribution, public sharing, sublicensing, or commercial use. Fixes and minor updates may be issued at Everstack Studio's discretion for v1.x. Refunds follow the store policy shown at checkout.
See the refund policy and terms.
Common questions
Can I use Google Sheets instead of Excel?
Yes. Start Here has a link that makes your own copy in Google Sheets. It works in a web browser and in the Google Sheets app, and you need a free Google account. Your entries are then stored in your Google account.
Does it say whether snowball or avalanche is better?
No. It shows both side by side, with minimum payments only for comparison. The choice is yours.
Is the payoff month exact?
No. Interest is estimated once a month at APR ÷ 12. Many cards calculate interest daily, so your lender's numbers will differ. Verify every balance, rate and payoff amount with the lender.
Can I share it with my household?
Yes. The license covers personal and household use, so you can share the files or your Google Sheets copy with people in your household for your household's planning. Please don't share or resell them outside your household.
Are updates included?
Fixes and minor updates to the version you bought are free when we release them. A future major version is a separate product unless its page says otherwise.
What's the refund policy?
If you bought on everstackstudio.com, you can get a full refund within 7 days of your order. Email support@everstackstudio.com with your order number; you don't need to give a reason. If a file is broken, email us anytime and we'll fix it.
Get the Payoff Date Finder
A debt payoff spreadsheet: snowball or avalanche, what to pay each debt this month, and an estimated payoff month for each, beside minimum payments only. Excel, with a Google Sheets copy.
For educational and planning purposes only; not financial, investment, tax, or legal advice. Verify inputs and consult a qualified professional for decisions specific to you.