Debt Payoff Planner: Snowball vs. Avalanche

Compare the debt snowball and debt avalanche side by side with your own debts: months to debt-free, estimated interest and your payoff order.

What's inside

• Enter up to 10 debts: balance, APR and minimum payment, plus your total monthly debt budget
• Side-by-side comparison: months to debt-free, estimated total interest and the payoff month of each debt, snowball vs. avalanche
• Month-by-month plans for both methods (up to 30 years), with leftover money rolling to the next debt automatically
• Warnings when your budget doesn't cover all minimums or a minimum doesn't cover the interest
• Your payoff order for the method you choose, and a plan-vs-actual progress tab with a chart
• EXAMPLE and BLANK copies, Excel (.xlsx)
• A step-by-step PDF how-to guide
• LICENSE-and-Terms.txt (personal use)

Good to know: EXAMPLE numbers are invented to show how it works. This is an organizing and estimating tool, not financial or credit advice; interest figures are estimates and your statements control. No macros. Excel .xlsx file. Tested in LibreOffice and Google Sheets on 2026-10-15; not yet tested in Microsoft Excel. Instant digital download.

Pairs with: Emergency Fund and Zero-Based Budget Workbook.

Refunds: All sales are final. This tool is an instant digital download, so we don't offer refunds once your order is placed. If a file is broken, missing or not as described, email [email protected] with your order number and we'll send you a working replacement file; if we can't provide a working file that matches this description, we'll refund your order. If you bought the same tool twice by mistake, email us within 14 days of the second order and we'll refund the duplicate order. Nothing in this policy limits any rights you have under law that can't be waived.

Sold by Ryan Via, doing business as The Collective's Digital Archive.