See the exact month you will be debt-free
List your debts, choose snowball or avalanche, add your extra payment — and get the payoff order, the debt-free date and a month-by-month plan.
- ⚡ Instant download
- 🔒 Secure checkout by Stripe
- ↩️ 7-day guarantee
Sound familiar?
- You pay every month but the balances barely move
- You don’t know which debt to attack first
- Online calculators don’t let you save or tweak your plan
The Debt Snowball Calculator fixes that in a few minutes, for $2.
What changes when you use it
A clear payoff order
Snowball (smallest balance first) or avalanche (highest interest first) — the order updates instantly.
Your debt-free date
Months to freedom, the date, total paid and total interest, all calculated for you.
Payments roll over automatically
When a debt is paid off, its payment moves to the next one — the snowball effect.
Motivation you can see
A chart of your total debt falling month after month.
What's inside the spreadsheet
- Up to 8 debts with balance, APR and minimum payment
- Extra monthly payment
- Snowball or avalanche method selector
- Automatic payoff order
- Month-by-month balances for 10 years
- Debt-free date, total paid and total interest
- Chart of total debt over time
- How to use tab
Ready in 3 simple steps
Buy securely
Pay $2 once through the secure checkout (Stripe).
Download instantly
Your file is ready right after payment and also arrives in your e-mail.
Fill in and use
Open it in Excel, type your data and let the formulas do the work.
Made for
Everything you get
- Debt Snowball Calculator (.xlsx file), 100% editable
- Instant download right after payment, plus the link in your e-mail
- Use it on as many of your own computers as you need
- No subscription and no monthly fees, ever
- Free e-mail support to help you get started
- 7-day money-back guarantee
Works with: Excel 2010 or newer on Windows or Mac · also opens in Google Sheets
Focused on one card? See the Credit Card Payoff Calculator.Debt Snowball Calculator
$2
Less than one month of interest on a credit card.
Download nowFrequently asked questions
Snowball or avalanche: which is better?
Avalanche usually saves more interest; snowball gives faster wins. Try both and compare the totals.
Can I include a 0% loan?
Yes. Type 0 as the APR.
What if I add new debt?
Update the balances with your latest statements and the plan recalculates.
How do I receive the spreadsheet?
Right after payment you get the download link on screen and by e-mail. Lost it? Get new links anytime on the "My downloads" page.
Which software do I need?
Microsoft Excel 2010 or newer (including Microsoft 365) on Windows or Mac. It also opens in Google Sheets and LibreOffice, although some formatting may look slightly different.
Can I edit it and add my logo?
Yes. The file is not locked: you can rename labels, add rows and put your own logo in it.
What language is the file in?
English.
Is it a subscription?
No. You pay $2 once and the file is yours to use for as long as you want.
What if it is not what I need?
You have 7 days to try it. If it does not meet your needs, write to us and we will help you, exchange it for another template or refund your payment.
More about the Debt Snowball Calculator
List your debts, choose snowball or avalanche, add your extra payment — and get the payoff order, the debt-free date and a month-by-month plan.
What's inside
- Up to 8 debts with balance, APR and minimum payment
- Extra monthly payment
- Snowball or avalanche method selector
- Automatic payoff order
- Month-by-month balances for 10 years
- Debt-free date, total paid and total interest
- Chart of total debt over time
- How to use tab
Works in Microsoft Excel 2010 or newer (Windows and Mac) and opens in Google Sheets. One-time payment, instant download.
Get organized today for just $2
Download the Debt Snowball Calculator now and start using it in minutes.
Download now for $2One-time payment · Instant download · 7-day guarantee
