Debt Payoff Planner Spreadsheet for Google Sheets (Snowball + Avalanche)
★★★★★ 409 reviewsPrice
$9.00 $15.00
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- Phone, tablet & desktop
BUILD A CLEAR PLAN TO BECOME DEBT-FREE, AND WATCH EVERY BALANCE SHRINK!
Debt feels heavy when you can't see the finish line. This planner turns your balances into a step-by-step payoff schedule and shows you exactly when each debt will be gone.
WHAT TO EXPECT
- 🌟 Enter each debt once (balance, rate, and minimum payment) and the planner creates your payoff order automatically.
- 🌟 Switch between the snowball method (smallest balance first), the avalanche method (highest interest first), or set your own custom order.
- 🌟 See your projected debt-free date and how much interest you'll save by adding a little extra each month.
- 🌟 A payment log keeps track of every payment you make, so your remaining balances are always accurate.
- 🌟 Motivating progress bars and charts fill up as you go. Every payment feels like a win!
- 🌟 Track up to 50 debts, including credit cards, car loans, student loans, medical bills, and more.
- 🌟 Built for Google Sheets with your free Google account, so it runs on your laptop, phone, or tablet. (Heads-up: it is not designed for Excel or Numbers.)
- 🌟 Two pretty color themes are included, berry/lilac and ocean/mint, so you can pick the one that fits your mood.
- 🌟 Pay once, use forever. No subscriptions and no hidden fees.
You don't have to stay stuck. With a clear plan and a little momentum, debt freedom is closer than you think. Grab the Debt Payoff Planner today! 💕
Our spreadsheets are educational tools and are not personalized financial advice.
What You'll Receive
You'll receive a PDF with your personal link to make a copy of the Google Sheets spreadsheet, plus a step-by-step video tutorial that walks you through every tab.
Access Instructions
Right after checkout you'll get an email with your download. Open the PDF, click the link, and choose “Make a copy” to save the spreadsheet to your own free Google account. Use it in your browser or in the Google Sheets app on your phone or tablet.
Is the Debt Payoff Planner included in the Complete Money Dashboard?
Yes! The Complete Money Dashboard includes a full debt payoff tab. If you only want to focus on paying down debt, this standalone planner is a great, budget-friendly choice.
Why You’ll Love It
“I love how Daisy makes the nuts and bolts look pretty! It’s fun to use and watch the progress being made.”
“Keeps me accountable! I love it! It allowed me to map out where my extra payments go with ease, and to see a payoff date and timelines just gives me hope to be done with this debt!”
“While I had a hunch I was on track with my debt payments, I just had no vision of what that debt-free day would be. It felt like a tunnel with no light at the end. Having this interactive plan and visualization has been life changing since day one!”
“Easy and effective. Makes me feel less overwhelmed at the prospect of getting my debt paid down.”
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Customer Reviews
Based on 409 reviews
User friendly and very helpful
I have tried several variations of financial spreadsheets, but this is hands down the best one. Easy to understand and implement!
I was trying for so long to budget by myself and I found myself creating spreadsheets with never ending charts and it was getting me nowhere! I decided to take a change with Daisy’s spreadsheet and my budget goals have never been more clear! I love the options of the avalanche or snowball method, this gives me a clear idea of the interest charges. I think my favorite part is the estimated date of paying off my debt.
I feel like I can ramble on how much I love this spreadsheet… definitely purchase it yourself and you’ll see how helpful this is!
This is exactly what I needed to help visualize how we're getting everything paid down. I love the ability to add in specifics on the Transaction Log and switch between Snowball and Avalanche methods. The check boxes are a nice addition, as well; I love checking things off a list!
It’s very comprehensive and easy to navigate. It’s super encouraging to check off each payment. I feel like I can finally BREATH because I have a plan in place. It makes everything my feel manageable
Let customers speak for us
★★★★★ from 1761 reviewsEasy to use and really helps me budget better each month.
Patricia10/24/2026User friendly and very helpful
Krystin Smith10/24/2026I have tried several variations of financial spreadsheets, but this is hands down the best one. Easy to understand and implement!
Dara10/23/2026I was trying for so long to budget by myself and I found myself creating spreadsheets with never ending charts and it was getting me nowhere! I decided to take a change with Daisy’s spreadsheet and my budget goals have never been more clear! I love the options of the avalanche or snowball method, this gives me a clear idea of the interest charges. I think my favorite part is the estimated date of paying off my debt. I feel like I can ramble on how much I love this spreadsheet… definitely purchase it yourself and you’ll see how helpful this is!
K.R.10/22/2026This is really the best budget sheet. I had a way of keeping track of things, but this is so easy and worth the money and really helping us keep track of expenses. Would not hesitate to buy it again! :)
Kiana Stewart10/21/2026
We have been trying to organize our finances in one place for so long and this finally gave us exactly what we needed! All of our finances in one place to edit, organize and plan! Super helpful and we’re loving it.
Sarah Potucek10/21/2026
It took a little to set it up to my liking but once got it going it went pretty smoothly. Like everything new, you need to spend some time to figure out the in's and outs but it gets easy as time goes.
Dhurata10/20/2026I am absolutely giving this budget spreadsheet a 5 star review, its just too much for my needs. I personally dont have enough need for a budget planner with this much detail. It is however the most amazing tool I've seen. I watched the entire how to video and am blown away by everything you can do with it. Would I recommend it? Absolutely 💯.
Hunter10/18/2026I love this spreadsheet budgeting too. Easy to use and we are on track for retirement in 8 years.
Diana Lehr10/18/2026My husband and I are not strangers to budgeting and working towards financial goals together. Lately we noticed that we kind of let that slide and wanted to get back on track. Daisy's spreadsheets have given us control of our money again and bonus our teenager is learning to budget too!
Tiffany10/17/2026Been using for about 1.5 months and so far it is a total game changer for our finances. Shows us where all the money goes and hoping to make changes to pay off some things and save! Thanks for uneasy to use product and tutorials! It can be time consuming to do each week but dedicating an hour a week to it to check in makes all the difference in our spending. Like the debt tabs too bc I can see as we pay things off.
Nicole M10/16/2026This is exactly what I needed to help visualize how we're getting everything paid down. I love the ability to add in specifics on the Transaction Log and switch between Snowball and Avalanche methods. The check boxes are a nice addition, as well; I love checking things off a list!
Kayla Kroll10/16/2026I had been searching for a tool like this to help me with my debt consolidation! I tried all the calculators but my mind wasn’t really getting it. The spreadsheets put everything I needed in one place, it’s easy to use and it is completely accurate! I see this as an investment! Thank you so much!
Addy10/16/2026
It’s very comprehensive and easy to navigate. It’s super encouraging to check off each payment. I feel like I can finally BREATH because I have a plan in place. It makes everything my feel manageable
Mary Sprinkle10/15/2026This resource has been so helpful in organizing our family budget and tracking expenses. Thanks for a great product!
Happy Customer10/14/2026