Debt Snowball Spreadsheet – Snowball & Avalanche Calculator for Excel and Google Sheets

Hinweis: Diese Vorlage ist auf Englisch (Spalten, Texte und Anleitung). Sie funktioniert in Excel und Google Sheets.

Type 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.

What it does

• Debt-free date and months to go
• Snowball vs. Avalanche vs. minimum payments only – side by side
• Month-by-month payment plan for up to 30 years, with automatic rollover
• One-time extra payments (tax refund, bonus) in the right month
• Tick ✓ each month you paid – the progress bar moves
• Checks every entry, e.g. when a minimum payment does not cover the interest

What's included

• Debt Snowball Spreadsheet (.xlsx): Start, My Debts (up to 20 debts), Dashboard, Payment Plan + optional Charts tab
• Dark design version
• Printable pages in US Letter and A4: Debt List, Payoff Plan, Monthly Payment Checklist
• Bonus: Debt-Free Progress Tracker and Debt Payoff Thermometers
• 4 phone images of the trackers, 2-page Quick Start Guide

What you need

Excel 2016 or newer (Windows/Mac), Google Sheets (free) or LibreOffice (free). No macros, no add-ins, no Microsoft 365 subscription.

Your data stays with you

The 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.

Good to know

Interest 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.

14-day money-back guarantee.