Debt payoff tracker repayment calculator excel spreadsheet or google sheets (Template for debt payment tracking snowball & avalanche method)

Debt Demolisher – Debt Payoff Tracker & Repayment Calculator for Excel and Google Sheets

Crush your debt faster with this powerful, easy-to-use debt tracker spreadsheet! Whether you're using the Snowball Method or Avalanche Strategy, the Debt Demolisher gives you a clear, step-by-step plan to eliminate debt and take control of your finances — all in Excel or Google Sheets.

💸 What Makes This Debt Spreadsheet Special:

✅ Compare 3 Repayment Plans Side-by-Side

See the real impact of:

- Minimum Repayments (your current trajectory)

- Debt Snowball (smallest balance first)

- Debt Avalanche (highest interest rate first)

✅ Customize with Extra Payments

Input consistent or one-off extra payments and watch how your debt-free date shifts — helping you plan smarter and stay motivated.

✅ Visual Payment Schedule

Track your monthly payments, remaining balances, and interest savings over time. It’s the clarity you’ve been needing.

✅ User-Friendly & Auto-Calculating

Just fill in the yellow cells — everything else updates automatically. No formulas or complex setup needed.

✅ Works in Google Sheets & Excel

Whether you prefer Google Sheets or Microsoft Excel, this debt payoff template works seamlessly across both platforms.

📝 How It Works:

1. Enter your debt details – balance, interest rate, due date, and minimum payment.

2. Choose a start date and enter any extra monthly payments.

3. Add one-off payments to any future month if you wish.

4. Explore the three repayment methods and choose the one that works best for you.

5. Stay motivated by seeing how your debt-free timeline and interest savings improve with each smart decision.

💥 Why You'll Love It:

Helps you become debt free faster

Ideal for managing credit card payments, loan repayments, sinking funds, and more

Great for budgeting, planning, and tracking progress

Designed by a CFO and Chartered Accountant who’s helped dozens of businesses master their money

📦 What You’ll Receive:

📥 Instant download of the Debt Demolisher Spreadsheet Template

📋 Clear step-by-step instructions included

🌐 Editable in Google Sheets or Excel

📊 Includes tabs for Debt Snowball, Debt Avalanche, Minimum Repayments, and Payment Schedule

✨ Take control of your finances and demolish debt your way — with a tracker that does the heavy lifting for you. Start building your debt freedom plan today! ✨

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