Free Debt Snowball Spreadsheet
A free debt snowball spreadsheet with an avalanche comparison, month-by-month payoff plans, total interest, a chart and a printable tracker.
Free ยท Excel workbook with 7 tabs, plus a 3-page fillable PDF in Letter and A4
Specifications
| Brand | Stelaah |
|---|---|
| Category | Spreadsheets and tools |
| Format | Excel workbook with 7 tabs, plus a 3-page fillable PDF in Letter and A4 |
| Paper size | US Letter and A4 |
| Fillable | Yes, type into the fields on a computer or tablet |
| Price | Free |
| Files | Stelaah Debt Snowball Spreadsheet.zip (223 KB) |
| Works with | Open the .xlsx in Excel 365, Google Sheets or Numbers. The fillable PDFs work in Adobe Acrobat Reader, Preview, a browser, Goodnotes or Notability, or print them on Letter or A4. |
| Licence | Use it yourself, on all your devices. Please do not share or resell the files. |
| Language | English |
| Includes | 10 debts, 2 payoff methods, 360 months planned |
A free debt snowball spreadsheet that also shows the avalanche, so you can compare before you choose. List each debt with its balance, interest rate and minimum payment, then set how much extra you can pay each month.
The snowball pays the smallest balance first. The avalanche pays the highest interest rate first. Both pay the same total each month, so the payment from each paid-off debt rolls to the next. The Summary shows the month you are debt free, the total interest under each method, how much the avalanche saves and the month each debt is paid off, with a chart.
Room for 10 debts and a 30-year plan, in any currency. The printable has a debt list, a tick-a-box tracker for every 2% paid off and a payment log. A planning tool, not financial advice.
Get it free in the Stelaah Store
See inside
What's inside
3 files in one download: an Excel workbook and fillable PDFs in Letter and A4.
| Section | Pages or size |
|---|---|
| Debts and extra payment | 10 debts |
| Summary with chart | 1 tab |
| Snowball plan | 360 months |
| Avalanche plan | 360 months |
| Printable: list, tracker, log | 3 pages |
Who it's for
- Anyone paying off cards, loans or store credit
- Couples planning a debt-free date
- People choosing between snowball and avalanche
You may be looking for
- debt snowball spreadsheet
- debt snowball calculator
- debt avalanche vs snowball
- debt payoff planner
- printable debt payoff tracker
- debt tracker google sheets
Works with
Open the .xlsx in Excel 365, Google Sheets or Numbers. The fillable PDFs work in Adobe Acrobat Reader, Preview, a browser, Goodnotes or Notability, or print them on Letter or A4.
Questions
- Does it work in Google Sheets?
- Yes. Upload the .xlsx to Google Drive and open it with Google Sheets. It also opens in Excel 365 and Numbers.
- Snowball or avalanche?
- The snowball usually clears a first debt sooner, which keeps many people going. The avalanche usually costs less interest. The Summary shows both for your numbers.
- Which apps does it work with?
- Open the .xlsx in Excel 365, Google Sheets or Numbers. The fillable PDFs work in Adobe Acrobat Reader, Preview, a browser, Goodnotes or Notability, or print them on Letter or A4.
- Is it really free?
- Yes. Add your name and email once and every free Stelaah download opens on this browser. No account is needed.
- What do I download?
- Stelaah Debt Snowball Spreadsheet.zip (223 KB).
- Can I share or resell it?
- Use it yourself, on all your devices. Please do not share or resell the files.