Budget & Money Spreadsheets

Debt Payoff Planner

Pick snowball or avalanche, add any extra payment, and get your debt-free month instantly.

$6.99
Buy now · $6.99
  • Instant download. Your files appear right after checkout, and the link is emailed to you.
  • Secure checkout. Pay by card or PayPal on Payhip's secure checkout. No account needed.
  • Excel + Google Sheets. Print or reuse as often as you like at home.
  • Real help. Trouble opening a file? Email us and we'll help you get it working.
Better valueGet it in the Ultimate Budget Bundle8 tools for $19.99 (save 57%)

Made by a small family business in Frisco, Texas. Our story

What's included

  • Start Here guide
  • Up to 10 debts
  • Snowball or avalanche switch
  • Extra payment roll-over built in
  • Month-by-month payoff schedule (30 yrs)
  • Payoff month for every debt
  • Debt-free date
  • Interest saved vs. minimums

Files and formats

  • ZIP file containing the spreadsheet (.xlsx) for Microsoft Excel and Google Sheets
  • Start Here PDF with step-by-step opening instructions

How it works

  1. Check out securely. Pay by card or PayPal. No account needed.
  2. Download instantly. The download button appears right away and the link is emailed to you.
  3. Open in Excel or Google Sheets. Type in the cream cells and the formulas do the rest.

Good to know

  • This is a digital product - nothing will be shipped.
  • Printed colors can vary slightly by printer and screen.
  • Spreadsheet preview images show sample data; your copy starts blank. A computer is recommended for the first setup.
  • This template helps you organize your own numbers. It is not financial, tax or legal advice.
  • For personal use only. Please don't share, resell or redistribute the files.

Questions, answered

What exactly do I get?

ZIP file containing the spreadsheet (.xlsx) for Microsoft Excel and Google Sheets Start Here PDF with step-by-step opening instructions Inside: Start Here guide, Up to 10 debts, Snowball or avalanche switch, Extra payment roll-over built in, Month-by-month payoff schedule (30 yrs), Payoff month for every debt, Debt-free date, Interest saved vs. minimums.

How do I get my files?

Right after checkout you'll see a download button, and the same link is emailed to you so you can download again later. Nothing is shipped.

Does it work in Google Sheets and Excel?

Yes. Open the .xlsx file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets. A computer makes the first setup easiest; after that it works on a phone or tablet too.

Is this financial or legal advice?

No. It's an organizing tool that helps you keep track of your own information. For decisions about debt, taxes, wills or care, talk to a qualified professional.

What if something doesn't work?

Email us at homebasepaperco@mail.grokbot.com and we'll fix it or make it right. Because it's a digital file we can't take returns, but we never leave you stuck.

Free download

The Holiday Budget Starter Kit

A one-page holiday budget, a gift list with a spending limit for every person, and a 6-week countdown so December stays calm and paid for.

Free, no sign-up needed.