Debt Freedom Planner

Most debt payoff templates only support one method. You either get a snowball tracker or an avalanche calculator — never both. That means guessing which strategy works best for your specific debts, or buying two separate spreadsheets and doing the comparison yourself.

This planner does the comparison for you. One file. One data entry. Two complete payoff plans.

📊 WHAT’S INCLUDED • 1 XLSX file with 6 professionally designed tabs • Start Here tab with clear step-by-step instructions • My Debts input tab for up to 8 debts (credit cards, student loans, auto, medical, personal) • Snowball Plan with full 60-month payoff schedule • Avalanche Plan with full 60-month payoff schedule • Compare tab showing total interest, months to payoff, and debt-free date for both methods • Payment Tracker to log actual monthly payments and see your progress

⭐ KEY FEATURES • Side-by-side snowball vs avalanche comparison — see which method saves you more • Extra payment modeling — enter how much extra you pay monthly and see the impact • 60-month projections — month-by-month balance for each individual debt • Automatic winner calculation — the Compare tab declares the better strategy for YOUR debts • Progress percentage tracking — watch your payoff climb month over month • Works in Google Sheets AND Microsoft Excel — no macros, no add-ons

👤 PERFECT FOR • Anyone carrying credit card, student loan, auto, or medical debt • People who want to see the math behind their debt payoff plan • Couples tackling debt together who need a transparent, shared tracker • Dave Ramsey fans who want to verify if snowball really beats avalanche for their situation

🔧 HOW IT WORKS

1. Download the file after purchase
2. Open in Google Sheets or Microsoft Excel
3. Enter your debts in the My Debts tab — name, type, balance, APR, minimum payment
4. Set your extra monthly payment amount
5. Check both plan tabs and the Compare tab to see your best strategy
6. Log payments in the Payment Tracker each month

💡 WHAT MAKES THIS DIFFERENT Every top-selling debt planner forces you into one method. To compare snowball and avalanche, you’d need two separate templates. This planner does both in one file with one data entry. Enter your debts once, see both 60-month projections, and make a data-driven decision.

💯 GUARANTEE Not what you expected? Message us within 30 days for a full refund. No questions asked.

📋 FILE DETAILS • Format: XLSX (works in Google Sheets + Excel) • Includes sample data — ready to explore immediately • Supports up to 8 debts • Works on desktop and mobile • No macros or add-ons required

🏷️ By Unfold Factory Studio

What’s Included

• 1 XLSX file with 6 professionally designed tabs • Start Here tab with clear step-by-step instructions • My Debts input tab for up to 8 debts (credit cards, student loans, auto, medical, personal) • Snowball Plan with full 60-month payoff schedule • Avalanche Plan with full 60-month payoff schedule • Compare tab showing total interest, months to payoff, and debt-free date for both methods • Payment Tracker to log actual monthly payments and see your progress

⭐ KEY FEATURES • Side-by-side snowball vs avalanche comparison — see which method saves you more • Extra payment modeling — enter how much extra you pay monthly and see the impact • 60-month projections — month-by-month balance for each individual debt • Automatic winner calculation — the Compare tab declares the better strategy for YOUR debts • Progress percentage tracking — watch your payoff climb month over month • Works in Google Sheets AND Microsoft Excel — no macros, no add-ons

👤 PERFECT FOR • Anyone carrying credit card, student loan, auto, or medical debt • People who want to see the math behind their debt payoff plan • Couples tackling debt together who need a transparent, shared tracker • Dave Ramsey fans who want to verify if snowball really beats avalanche for their situation

🔧 HOW IT WORKS

1. Download the file after purchase
2. Open in Google Sheets or Microsoft Excel
3. Enter your debts in the My Debts tab — name, type, balance, APR, minimum payment
4. Set your extra monthly payment amount
5. Check both plan tabs and the Compare tab to see your best strategy
6. Log payments in the Payment Tracker each month

💡 WHAT MAKES THIS DIFFERENT Every top-selling debt planner forces you into one method. To compare snowball and avalanche, you’d need two separate templates. This planner does both in one file with one data entry. Enter your debts once, see both 60-month projections, and make a data-driven decision.

💯 GUARANTEE Not what you expected? Message us within 30 days for a full refund. No questions asked.

📋 FILE DETAILS • Format: XLSX (works in Google Sheets + Excel) • Includes sample data — ready to explore immediately • Supports up to 8 debts • Works on desktop and mobile • No macros or add-ons required

🏷️ By Unfold Factory Studio

Tags (13 tags, each ≤20 chars)

debt payoff planner, debt snowball, debt avalanche, debt tracker, google sheets, debt calculator, credit card payoff, student loan tracker, debt free planner, finance template, budget spreadsheet, payoff calculator, instant download

Category

Templates > Spreadsheets

Attributes

• File type: XLSX
• Instant download: Yes

How It Works

1. Download the file after purchase
2. Open in Google Sheets or Microsoft Excel
3. Enter your debts in the My Debts tab — name, type, balance, APR, minimum payment
4. Set your extra monthly payment amount
5. Check both plan tabs and the Compare tab to see your best strategy
6. Log payments in the Payment Tracker each month

💡 WHAT MAKES THIS DIFFERENT Every top-selling debt planner forces you into one method. To compare snowball and avalanche, you’d need two separate templates. This planner does both in one file with one data entry. Enter your debts once, see both 60-month projections, and make a data-driven decision.

💯 GUARANTEE Not what you expected? Message us within 30 days for a full refund. No questions asked.

📋 FILE DETAILS • Format: XLSX (works in Google Sheets + Excel) • Includes sample data — ready to explore immediately • Supports up to 8 debts • Works on desktop and mobile • No macros or add-ons required

🏷️ By Unfold Factory Studio

Tags (13 tags, each ≤20 chars)

debt payoff planner, debt snowball, debt avalanche, debt tracker, google sheets, debt calculator, credit card payoff, student loan tracker, debt free planner, finance template, budget spreadsheet, payoff calculator, instant download

Category

Templates > Spreadsheets

Attributes

• File type: XLSX
• Instant download: Yes