{"product_id":"budget-and-debt-payoff-spreadsheet","title":"Budget and debt payoff spreadsheet","description":"\u003cstyle\u003e\n.abs,.abs-sticky{--navy:#1E2340;--lav:#8E83D6;--lavd:#6E62C2;--lavl:#EEEBF9;--bg:#F7F5FC;--grey:#555872;color:var(--navy);line-height:1.6;font-size:16px}\n.abs{container-type:inline-size}\n.abs *{box-sizing:border-box}\n.abs h2{font-size:24px;line-height:1.25;margin:0 0 10px;color:var(--navy)}\n.abs h2.main{font-size:26px}\n.abs h3{font-size:19px;line-height:1.3;margin:0 0 8px;color:var(--navy)}\n.abs p{margin:0 0 12px}\n.abs a{color:var(--lavd)}\n.abs .lead{font-weight:700;font-size:18px;text-transform:uppercase;letter-spacing:.2px}\n.abs .tag{display:inline-block;background:var(--lavl);color:var(--lavd);font-weight:700;font-size:12px;letter-spacing:1px;text-transform:uppercase;border-radius:999px;padding:4px 12px;margin-bottom:8px}\n\/* auto sliding gallery *\/\n.abs-gal{overflow:hidden;margin:18px 0 26px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}\n.abs-track{display:flex;gap:14px;width:max-content;animation:absslide 45s linear infinite}\n.abs-gal:hover .abs-track{animation-play-state:paused}\n.abs-track img{width:420px;height:auto;aspect-ratio:16\/10;object-fit:cover;border-radius:14px;box-shadow:0 6px 22px rgba(30,35,64,.10);display:block}\n@keyframes absslide{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 7px))}}\n\/* feature sections *\/\n.abs-sec{display:flex;gap:26px;align-items:center;margin:28px 0;background:var(--bg);border-radius:18px;padding:18px}\n.abs-sec.rev{flex-direction:row-reverse}\n.abs-sec img{width:56%;flex:none;border-radius:12px;box-shadow:0 6px 22px rgba(30,35,64,.10);display:block;height:auto}\n.abs-sec ul{margin:0;padding:0;list-style:none}\n.abs-sec li{padding-left:26px;position:relative;margin:6px 0}\n.abs-sec li:before{content:\"✓\";position:absolute;left:0;top:1px;width:18px;height:18px;border-radius:50%;background:var(--lav);color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center}\n\/* related products *\/\n.abs-rel{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0 28px}\n.abs-rel\u003ediv{background:var(--bg);border-radius:16px;padding:18px}\n.abs-rel h3 a{color:var(--navy);text-decoration:none}\n.abs-rel .go{display:inline-block;font-weight:700;color:var(--lavd);text-decoration:none;border:2px solid #DCD6F3;border-radius:999px;padding:8px 18px;background:#fff}\n\/* receive list *\/\n.abs-recv{list-style:none;margin:0;padding:0}\n.abs-recv li{margin:8px 0;padding-left:28px;position:relative}\n.abs-recv li:before{content:\"💜\";position:absolute;left:0}\n\/* dropdowns *\/\n.abs details{border-top:1px solid #E4E1F0;padding:0}\n.abs details:last-of-type{border-bottom:1px solid #E4E1F0}\n.abs summary{list-style:none;cursor:pointer;font-weight:700;padding:16px 40px 16px 0;position:relative;font-size:16px}\n.abs summary::-webkit-details-marker{display:none}\n.abs summary:after{content:\"\";position:absolute;right:8px;top:50%;width:10px;height:10px;margin-top:-8px;border-right:2.5px solid var(--lavd);border-bottom:2.5px solid var(--lavd);transform:rotate(45deg);transition:transform .25s}\n.abs details[open] summary:after{transform:rotate(-135deg);margin-top:-2px}\n.abs details\u003ediv{padding:0 0 16px}\n\/* sticky add to cart *\/\n.abs-sticky{position:fixed;left:0;right:0;bottom:0;z-index:999;background:#fff;box-shadow:0 -6px 24px rgba(30,35,64,.12);\n display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 18px;transform:translateY(110%);transition:transform .3s}\n.abs-sticky.show{transform:translateY(0)}\n.abs-sticky .t{font-weight:700;font-size:15px;line-height:1.25;color:var(--navy)}\n.abs-sticky .t span{display:block;color:var(--lavd);font-size:18px}\n.abs-sticky a{background:var(--lav);color:#fff!important;text-decoration:none;font-weight:700;font-size:16px;border-radius:12px;padding:13px 26px;white-space:nowrap;border:0;cursor:pointer}\n.abs-sticky a:hover{background:var(--lavd)}\n@container (max-width:700px){\n .abs-sec,.abs-sec.rev{flex-direction:column;padding:14px}\n .abs-sec img{width:100%}\n .abs-rel{grid-template-columns:1fr}\n}\n@media(max-width:749px){\n .abs-sec,.abs-sec.rev{flex-direction:column;padding:14px}\n .abs-sec img{width:100%}\n .abs-rel{grid-template-columns:1fr}\n .abs-track img{width:290px}\n .abs-track{animation-duration:35s}\n .abs-sticky .t{font-size:13px}.abs-sticky .t span{font-size:16px}\n}\n\u003c\/style\u003e\n\n\u003cdiv class=\"abs\"\u003e\n\n\u003ch2 class=\"main\"\u003eDebt Snowball Spreadsheet for Google Sheets: Pay Off Debt Faster with a Clear Plan\u003c\/h2\u003e\n\u003cp\u003eThis \u003cstrong\u003edebt snowball spreadsheet for Google Sheets\u003c\/strong\u003e turns every balance you owe into one simple plan. List your debts, choose snowball or avalanche, and see exactly what to pay each month and the date you'll be debt-free. Tick off payments and watch your progress grow, in Google Sheets or Excel, on any device.\u003c\/p\u003e\n\n\u003c!-- auto sliding images (list is repeated once for a seamless loop) --\u003e\n\u003cdiv class=\"abs-gal\"\u003e\u003cdiv class=\"abs-track\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-debt-snowball-spreadsheet-google-sheets.webp?v=1794074826\" alt=\"Debt snowball spreadsheet for Google Sheets and Excel with payoff dashboard\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-debt-snowball-spreadsheet.webp?v=1794074826\" alt=\"What's included in the debt snowball spreadsheet: Start Here, Setup, Payoff Schedule, Extra Payments and Dashboard\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/03-debt-snowball-avalanche-method.webp?v=1794074826\" alt=\"Debt payoff spreadsheet with snowball, avalanche and custom payoff methods\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/04-debt-payoff-schedule-spreadsheet.webp?v=1794074826\" alt=\"Debt payoff schedule spreadsheet showing what to pay each month and the payoff date for every debt\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/05-debt-payoff-motivation-dashboard.webp?v=1794074826\" alt=\"Debt snowball calculator spreadsheet dashboard with debt-free countdown, interest saved and milestones\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/06-debt-snowball-spreadsheet-colour-themes.webp?v=1794074826\" alt=\"Debt snowball spreadsheet in pink and purple or blue and green colour themes\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/07-works-on-any-device-google-sheets-excel.webp?v=1794074826\" alt=\"Debt payoff spreadsheet in Google Sheets and Excel on computer, phone and tablet\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/08-how-it-works-instant-download.webp?v=1794074826\" alt=\"How the debt snowball spreadsheet works: instant download, make your copy, add your debts\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/01-debt-snowball-spreadsheet-google-sheets.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/02-whats-included-debt-snowball-spreadsheet.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/03-debt-snowball-avalanche-method.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/04-debt-payoff-schedule-spreadsheet.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/05-debt-payoff-motivation-dashboard.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/06-debt-snowball-spreadsheet-colour-themes.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/07-works-on-any-device-google-sheets-excel.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/08-how-it-works-instant-download.webp?v=1794074826\" alt=\"\" loading=\"lazy\"\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n\n\u003ch2\u003eWhy You'll Love This Debt Payoff Spreadsheet\u003c\/h2\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eSnowball, avalanche or custom:\u003c\/strong\u003e switch methods in one click and compare your debt-free date.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eA payoff schedule that does the math:\u003c\/strong\u003e exactly what to pay on every debt, every month.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eFreed-up payments roll over for you:\u003c\/strong\u003e when one debt is gone, its payment snowballs into the next.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eMotivation built in:\u003c\/strong\u003e countdown, milestones, interest saved and charts that move as you pay.\u003c\/p\u003e\n\u003cp\u003e🌟 \u003cstrong\u003eUp to 50 debts\u003c\/strong\u003e in Google Sheets or Excel, with 2 colour themes to choose from.\u003c\/p\u003e\n\n\u003c!-- how it works: 3 animated GIFs --\u003e\n\u003ch2\u003eSee How the Debt Snowball Spreadsheet Works\u003c\/h2\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"800\" height=\"500\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/how-to-add-debts-debt-snowball-spreadsheet.gif?v=1794074826\" alt=\"How to add debts and an extra monthly payment in the debt snowball spreadsheet for Google Sheets\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eStep 1\u003c\/span\u003e\n\u003ch3\u003eAdd your debts and any extra\u003c\/h3\u003e\n\u003cp\u003eType each balance, interest rate and minimum payment. Add what extra you can pay and your debt-free date updates instantly.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"800\" height=\"500\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/snowball-vs-avalanche-debt-payoff-spreadsheet.gif?v=1794074826\" alt=\"Switching between the debt snowball and debt avalanche method in a debt payoff spreadsheet\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eStep 2\u003c\/span\u003e\n\u003ch3\u003ePick snowball or avalanche\u003c\/h3\u003e\n\u003cp\u003eSwitch methods from the dropdown and see every payoff date change, so you can choose the plan that fits you.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"800\" height=\"500\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/debt-payoff-dashboard-google-sheets.gif?v=1794074826\" alt=\"Debt payoff dashboard in Google Sheets with debt-free date, countdown, progress charts and balance timeline\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eStep 3\u003c\/span\u003e\n\u003ch3\u003eWatch your debt shrink\u003c\/h3\u003e\n\u003cp\u003eTick each payment and your dashboard shows your countdown, milestones, interest saved and falling balances.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: methods --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/03-debt-snowball-avalanche-method.webp?v=1794074826\" alt=\"Debt payoff spreadsheet with snowball, avalanche and custom payoff methods\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eSnowball or avalanche\u003c\/span\u003e\n\u003ch3\u003eA debt snowball calculator spreadsheet that plans for you\u003c\/h3\u003e\n\u003cp\u003eEnter each balance, interest rate and minimum payment once. The spreadsheet ranks your debts and builds the plan.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eSmallest balance first, highest rate first or your own order\u003c\/li\u003e\n\u003cli\u003ePayoff month and interest for every debt\u003c\/li\u003e\n\u003cli\u003eCompare methods in one click\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: schedule --\u003e\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/04-debt-payoff-schedule-spreadsheet.webp?v=1794074826\" alt=\"Debt payoff schedule spreadsheet showing what to pay each month and the payoff date for every debt\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003ePayoff schedule\u003c\/span\u003e\n\u003ch3\u003eKnow exactly what to pay each month\u003c\/h3\u003e\n\u003cp\u003eYour debt payoff spreadsheet shows the payment for every debt, month by month, until the last balance hits zero.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eTick ✔ each payment and balances update\u003c\/li\u003e\n\u003cli\u003ePay more or less in any month with +\/-\u003c\/li\u003e\n\u003cli\u003eLog tax refunds and bonuses as extra payments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: dashboard --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/05-debt-payoff-motivation-dashboard.webp?v=1794074826\" alt=\"Debt snowball calculator spreadsheet dashboard with debt-free countdown, interest saved and milestones\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eMotivation dashboard\u003c\/span\u003e\n\u003ch3\u003eWatch your debt shrink\u003c\/h3\u003e\n\u003cp\u003eEvery payment you tick moves your dashboard forward, so you can see the progress that keeps you going.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDebt-free date and months-to-go countdown\u003c\/li\u003e\n\u003cli\u003eInterest and time saved vs minimum payments\u003c\/li\u003e\n\u003cli\u003eMilestones at 25%, 50%, 75% and debt free\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: themes --\u003e\n\u003cdiv class=\"abs-sec rev\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/06-debt-snowball-spreadsheet-colour-themes.webp?v=1794074826\" alt=\"Debt snowball spreadsheet in pink and purple or blue and green colour themes\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003e2 colour themes\u003c\/span\u003e\n\u003ch3\u003ePick the look you love\u003c\/h3\u003e\n\u003cp\u003eBoth versions are included, with the same formulas and dashboard.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003ePink \u0026amp; purple\u003c\/li\u003e\n\u003cli\u003eBlue \u0026amp; green\u003c\/li\u003e\n\u003cli\u003eChange your mind any time\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- section: any device --\u003e\n\u003cdiv class=\"abs-sec\"\u003e\n\u003cimg width=\"1600\" height=\"1000\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/07-works-on-any-device-google-sheets-excel.webp?v=1794074826\" alt=\"Debt payoff spreadsheet in Google Sheets and Excel on computer, phone and tablet\" loading=\"lazy\"\u003e\n\u003cdiv\u003e\n\u003cspan class=\"tag\"\u003eAny device\u003c\/span\u003e\n\u003ch3\u003eGoogle Sheets or Excel, anywhere\u003c\/h3\u003e\n\u003cp\u003eUse the debt payoff spreadsheet in Google Sheets, free with your Google account, or in Microsoft Excel.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eComputer, phone and tablet\u003c\/li\u003e\n\u003cli\u003eNo app or subscription needed\u003c\/li\u003e\n\u003cli\u003eYour data stays in your own Drive or computer\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- who it's for --\u003e\n\u003ch2\u003eWhy Every Couple, Single Mom and Married Family Should Use This Debt Calculator Payoff Spreadsheet\u003c\/h2\u003e\n\u003cp\u003eDebt feels heavier when you can't see the end of it. This \u003cstrong\u003edebt calculator payoff spreadsheet\u003c\/strong\u003e shows you the end: the exact month every balance hits zero, and what to pay to get there.\u003c\/p\u003e\n\u003cp\u003e💜 \u003cstrong\u003eCouples and newlyweds:\u003c\/strong\u003e put every card and loan from both of you in one shared Google Sheet. You agree on one plan, see the same numbers and stop arguing about which debt comes first.\u003c\/p\u003e\n\u003cp\u003e💜 \u003cstrong\u003eSingle moms:\u003c\/strong\u003e when every dollar is already spoken for, guessing is expensive. The sheet tells you exactly what to pay each month, and even a small extra like $50 moves your debt-free date closer.\u003c\/p\u003e\n\u003cp\u003e💜 \u003cstrong\u003eMarried families:\u003c\/strong\u003e car loans, student loans, credit cards and medical bills all in one place. Watch the countdown drop together and celebrate each milestone as a family.\u003c\/p\u003e\n\u003cp\u003eWhoever you are, the math is already done. You only type in what you owe, and the debt calculator payoff spreadsheet builds the plan for you.\u003c\/p\u003e\n\n\u003cp\u003eStop guessing which debt to pay next and start seeing real progress every month. \u003cstrong\u003eYour debt-free date starts here!\u003c\/strong\u003e 💜\u003c\/p\u003e\n\n\u003c!-- internal links to related products --\u003e\n\u003ch2\u003eMore Budget Templates from ARKEONIC\u003c\/h2\u003e\n\u003cdiv class=\"abs-rel\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/monthly-budget-spreadsheet-for-google-sheets\"\u003eMonthly Budget Spreadsheet for Google Sheets\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003ePlan, track and save every month with budget vs actual, bills, savings goals and net worth in one Google Sheet.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/monthly-budget-spreadsheet-for-google-sheets\"\u003eSee the Monthly Budget Spreadsheet\u003c\/a\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003e\u003ca href=\"\/products\/budget-sheet-template-google-sheets\"\u003eBudget Sheet Template for Google Sheets\u003c\/a\u003e\u003c\/h3\u003e\n\u003cp\u003eA simple budget planner with 12 monthly tabs and a year overview. Great for expected vs actual tracking.\u003c\/p\u003e\n\u003ca class=\"go\" href=\"\/products\/budget-sheet-template-google-sheets\"\u003eSee the Budget Sheet Template\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c!-- dropdown questions --\u003e\n\u003ch2\u003eDebt Snowball Spreadsheet FAQ\u003c\/h2\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat You'll Receive\u003c\/summary\u003e\n\u003cdiv\u003e\u003cul class=\"abs-recv\"\u003e\n\u003cli\u003e\n\u003cstrong\u003ePDF access guide\u003c\/strong\u003e with your link to copy the spreadsheet into your Google account, plus the Excel files\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eStart Here tab:\u003c\/strong\u003e 4 quick steps, colour key and how to clear the example\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSetup:\u003c\/strong\u003e up to 50 debts, payoff method, start month and extra monthly payment\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Schedule:\u003c\/strong\u003e month-by-month payments for every debt, payoff dates and ✔ ticks\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExtra Payments log:\u003c\/strong\u003e tax refunds, bonuses and side-hustle money applied to the debt you choose\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard:\u003c\/strong\u003e starting and current debt, total paid, debt-free date and countdown\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMotivation cards:\u003c\/strong\u003e interest and time saved vs minimum payments, next debt to knock out\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMilestones:\u003c\/strong\u003e 25%, 50%, 75% and debt free\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCharts:\u003c\/strong\u003e progress for each debt, payoff donut, balance timeline and interest comparison\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e2 colour themes:\u003c\/strong\u003e pink \u0026amp; purple and blue \u0026amp; green\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eExample data\u003c\/strong\u003e so you can see how everything works before you start\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eHow do I access my debt snowball spreadsheet?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eRight after checkout you'll receive an email with your PDF. Click the link inside to make your copy in Google Sheets, or open the Excel file on your computer, and start your plan in minutes. This is a digital product; nothing physical will ship.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eDoes it work in Google Sheets and Excel?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYes. Use it in Google Sheets, which is free with a Google account, on your computer, phone or tablet, or open the Excel file in Microsoft Excel. It is not made for Apple Numbers.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eSnowball or avalanche: which method should I use?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eThe debt snowball pays your smallest balance first for quick wins that keep you motivated. The debt avalanche pays the highest interest rate first to save the most money. Pick either one, or set your own custom order, and compare your debt-free date in one click.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eDo I need spreadsheet skills?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eNot at all. Every formula is already built in. You only type your debts and pick from dropdowns; the payoff schedule, dashboard and charts do the rest.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eHow many debts can I track?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eUp to 50 debts in one debt payoff spreadsheet: credit cards, car loans, student loans, personal loans, medical bills, buy now pay later and more.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhich budget template is right for me?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eChoose this \u003cstrong\u003eDebt Snowball Spreadsheet for Google Sheets\u003c\/strong\u003e if your goal is paying off debt with a clear month-by-month plan. Want to budget every category too? Try the \u003ca href=\"\/products\/monthly-budget-spreadsheet-for-google-sheets\"\u003eMonthly Budget Spreadsheet for Google Sheets\u003c\/a\u003e. Want something simple? Get the \u003ca href=\"\/products\/budget-sheet-template-google-sheets\"\u003eBudget Sheet Template for Google Sheets\u003c\/a\u003e.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\u003cdetails\u003e\n\u003csummary\u003eWhat if it's not right for me?\u003c\/summary\u003e\n\u003cdiv\u003e\u003cp\u003eYou're covered by our 7-day money-back guarantee. Just reply to your order email.\u003c\/p\u003e\u003c\/div\u003e\n\u003c\/details\u003e\n\n\u003cp style=\"margin-top:16px\"\u003e\u003cem\u003eThis spreadsheet is a planning tool for informational purposes only and is not personalized financial advice. Payoff dates are estimates based on the numbers you enter.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003c!-- sticky add to cart bar --\u003e\n\u003c!-- EDIT: set the price to match your product --\u003e\n\u003cdiv class=\"abs-sticky\" id=\"absSticky\"\u003e\n\u003cdiv class=\"t\"\u003eDebt Snowball Spreadsheet\u003cspan\u003e$12\u003c\/span\u003e\n\u003c\/div\u003e\n\u003ca href=\"#\" id=\"absAdd\"\u003eAdd To Cart\u003c\/a\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003cscript\u003e\n(function(){\n  var bar=document.getElementById('absSticky'),btn=document.getElementById('absAdd');\n  if(!bar||!btn)return;\n  document.body.appendChild(bar);\n  var form=document.querySelector('form[action*=\"\/cart\/add\"]');\n  var mainBtn=form\u0026\u0026form.querySelector('[type=\"submit\"],button[name=\"add\"]');\n  function check(){\n    var show=true;\n    if(mainBtn){var r=mainBtn.getBoundingClientRect();show=r.bottom\u003c0||r.top\u003ewindow.innerHeight;}\n    bar.classList.toggle('show',show\u0026\u0026window.scrollY\u003e300);\n  }\n  window.addEventListener('scroll',check,{passive:true});check();\n  btn.addEventListener('click',function(e){\n    e.preventDefault();\n    var idEl=form\u0026\u0026form.querySelector('[name=\"id\"]');\n    if(!idEl){window.scrollTo({top:0,behavior:'smooth'});return;}\n    btn.textContent='Adding...';\n    fetch('\/cart\/add.js',{method:'POST',headers:{'Content-Type':'application\/json'},\n      body:JSON.stringify({items:[{id:Number(idEl.value),quantity:1}]})})\n      .then(function(){window.location.href='\/cart';})\n      .catch(function(){btn.textContent='Add To Cart';form.submit();});\n  });\n})();\n\u003c\/script\u003e\n\u003cscript type=\"application\/ld+json\"\u003e{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How do I access my debt snowball spreadsheet?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Right after checkout you'll receive an email with your PDF. Click the link inside to make your copy in Google Sheets, or open the Excel file on your computer, and start your plan in minutes. This is a digital product; nothing physical will ship.\"}}, {\"@type\": \"Question\", \"name\": \"Does it work in Google Sheets and Excel?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes. Use it in Google Sheets, which is free with a Google account, on your computer, phone or tablet, or open the Excel file in Microsoft Excel. It is not made for Apple Numbers.\"}}, {\"@type\": \"Question\", \"name\": \"Snowball or avalanche: which method should I use?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The debt snowball pays your smallest balance first for quick wins that keep you motivated. The debt avalanche pays the highest interest rate first to save the most money. Pick either one, or set your own custom order, and compare your debt-free date in one click.\"}}, {\"@type\": \"Question\", \"name\": \"Do I need spreadsheet skills?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Not at all. Every formula is already built in. You only type your debts and pick from dropdowns; the payoff schedule, dashboard and charts do the rest.\"}}, {\"@type\": \"Question\", \"name\": \"How many debts can I track?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Up to 50 debts in one debt payoff spreadsheet: credit cards, car loans, student loans, personal loans, medical bills, buy now pay later and more.\"}}, {\"@type\": \"Question\", \"name\": \"Which budget template is right for me?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Choose this Debt Snowball Spreadsheet for Google Sheets if your goal is paying off debt with a clear month-by-month plan. Want to budget every category too? 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