Debt inventory
Enter each balance, APR, and minimum payment in one place.
Free payoff workbook
A debt snowball spreadsheet built for tracking real progress
Download the Excel workbook to organize your debts, compare Snowball and Avalanche priority, and track your actual balance month by month. No account or email signup is required.
Excel format (.xlsx). You can also upload or open the file in Google Sheets.
Workbook
Debt Payoff Dashboard
Debt List
Balances + APRs
Priority
Snowball + Avalanche
Tracker
24 monthly check-ins
Dashboard
Visual progress
Your workbook stays on your device unless you choose to upload it somewhere. DebtSnowball.org does not receive the values you enter into the downloaded file.
What is included
One workbook, four useful jobs
The workbook is deliberately simpler than a full amortization model. It helps you organize a plan and track what actually happened; the online calculator handles payoff projections and strategy comparisons.
Snowball + avalanche order
See balance-first and APR-first priority rankings side by side.
Monthly progress tracker
Record your actual remaining debt each month and see how much you have eliminated.
Payoff dashboard
Turn monthly check-ins into a simple visual of your remaining debt and progress.
How to use the debt snowball spreadsheet
- 1List every debt. Enter a name, current balance, APR, and required minimum payment.
- 2Review the priority columns. Snowball ranks the smallest balance first; Avalanche ranks the highest APR first.
- 3Choose a strategy using the calculator. Compare estimated payoff time and interest using the same monthly budget.
- 4Check in monthly. Enter your real combined balance on the Progress Tracker and watch the dashboard update.
Spreadsheet or calculator?
Use the spreadsheet for tracking
Keep a debt inventory, see priority order, record actual balances, and maintain a personal monthly history.
Use the calculator for forecasting
Estimate debt-free dates, total interest, and compare Minimum, Snowball, and Avalanche scenarios using the same payment budget.
Excel and Google Sheets compatibility
The download is an Excel .xlsx file. In Microsoft Excel, open it normally. In Google Sheets, upload the file to Google Drive and open it with Google Sheets, or use File → Import from an existing Sheet.
Spreadsheet applications can calculate or render some formulas and charts differently. Keep the original file as a backup when importing it into another application.
Important: This workbook is a planning and tracking aid, not a lender statement or financial advice. Interest timing, fees, changing minimum payments, promotional rates, and lender rules can make actual balances differ from a simple tracker. Confirm payment requirements with each creditor.
Ready to build your payoff plan?
Download the tracker, then use the calculator to estimate the strategy that fits your debt mix.