{"product_id":"debt-snowball-spreadsheet","title":"Debt Snowball Spreadsheet – Snowball \u0026 Avalanche Calculator for Excel and Google Sheets","description":"\u003cp\u003eType your debts once and see your debt-free date, the order to pay them and exactly what to pay each month. The spreadsheet compares the Snowball method (smallest balance first) and the Avalanche method (highest interest rate first) for your own numbers – and shows how much interest you save compared with paying only the minimums.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat it does\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDebt-free date and months to go\u003c\/li\u003e\n\u003cli\u003eSnowball vs. Avalanche vs. minimum payments only – side by side\u003c\/li\u003e\n\u003cli\u003eMonth-by-month payment plan for up to 30 years, with automatic rollover\u003c\/li\u003e\n\u003cli\u003eOne-time extra payments (tax refund, bonus) in the right month\u003c\/li\u003e\n\u003cli\u003eTick ✓ each month you paid – the progress bar moves\u003c\/li\u003e\n\u003cli\u003eChecks every entry, e.g. when a minimum payment does not cover the interest\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's included\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDebt Snowball Spreadsheet (.xlsx): Start, My Debts (up to 20 debts), Dashboard, Payment Plan + optional Charts tab\u003c\/li\u003e\n\u003cli\u003eDark design version\u003c\/li\u003e\n\u003cli\u003ePrintable pages in US Letter and A4: Debt List, Payoff Plan, Monthly Payment Checklist\u003c\/li\u003e\n\u003cli\u003eBonus: Debt-Free Progress Tracker and Debt Payoff Thermometers\u003c\/li\u003e\n\u003cli\u003e4 phone images of the trackers, 2-page Quick Start Guide\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWhat you need\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eExcel 2016 or newer (Windows\/Mac), Google Sheets (free) or LibreOffice (free). No macros, no add-ins, no Microsoft 365 subscription.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eYour data stays with you\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThe Excel file stays on your own device – no account, no server that could lose or share your numbers. If you use Google Sheets, the copy is stored in your own Google account.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eGood to know\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eInterest is estimated monthly (rate ÷ 12); lenders often calculate daily, so real numbers can differ a little. Planning tool, not financial advice. Questions? info@propraxisplan.de – we usually reply the same day.\u003c\/p\u003e\n\u003cp\u003e14-day money-back guarantee.\u003c\/p\u003e","brand":"ProPraxisPlan","offers":[{"title":"Default Title","offer_id":53091968942378,"sku":"PPP-EN-DEBT","price":3.99,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1017\/5922\/2058\/files\/debt-snowball-spreadsheet-01.jpg?v=1792670296","url":"https:\/\/propraxisplan.de\/en\/products\/debt-snowball-spreadsheet","provider":"ProPraxisPlan","version":"1.0","type":"link"}