{"product_id":"debt-snowball-spreadsheet-for-google-sheets","title":"Debt Snowball Spreadsheet for Google Sheets","description":"\u003c!--\n============================================================\n ARKEONIC | Product landing page v2\n Debt Snowball Spreadsheet for Google Sheets\n------------------------------------------------------------\n INSTALL (use this method, it keeps the styling and sliders)\n 1. Online Store \u003e Themes \u003e Customize\n 2. Open the product page template\n 3. Add section \u003e Custom Liquid\n 4. Paste this whole file, drag it under the buy box, Save\n------------------------------------------------------------\n SEARCH FOR \"EDIT:\" TO FIND WHAT TO REPLACE\n Primary keyword: debt snowball spreadsheet for google sheets\n Secondary: debt payoff spreadsheet google sheets,\n debt snowball calculator spreadsheet,\n debt payoff spreadsheet\n============================================================\n--\u003e\n\n\u003cstyle\u003e\n .ark-lp{--blue:#1B4FD8;--blue-dark:#153FAD;--ink:#101828;--body:#3D4655;--grey:#F0F1F2;\n --line:#E4E7EC;--green:#22A251;--black:#0A0A0A;\n font-family:inherit;color:var(--body);line-height:1.65;-webkit-font-smoothing:antialiased;}\n .ark-lp *{box-sizing:border-box;}\n .ark-wrap{max-width:1100px;margin:0 auto;padding:0 20px;}\n .ark-lp h2{font-size:34px;line-height:1.2;color:var(--ink);font-weight:800;margin:0 0 14px;letter-spacing:-.01em;}\n .ark-lp p{margin:0 0 14px;font-size:16.5px;}\n .ark-lp section{padding:56px 0;}\n 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align-items:center;justify-content:flex-start !important;gap:5px;line-height:1.25;text-align:left;}\n .ark-lp .ark-fb__time{font-size:12.5px;color:#65676B;line-height:1.3;margin-top:1px;text-align:left;}\n .ark-fb__more{flex:0 0 auto;color:#65676B;font-size:18px;font-weight:700;letter-spacing:1px;line-height:1;padding-top:4px;}\n .ark-lp .ark-fb__verified{width:14px !important;height:14px !important;min-width:14px;flex:0 0 14px;margin:0 !important;}\n .ark-lp .ark-fb__txt{font-style:italic;color:#050505;font-size:15px;line-height:1.45;margin:0 0 14px;text-align:left;}\n .ark-fb__stats{display:flex;align-items:center;justify-content:space-between;font-size:13.5px;color:#65676B;\n padding-bottom:8px;border-bottom:1px solid #E4E6EB;}\n .ark-fb__react{display:flex;align-items:center;gap:6px;}\n .ark-fb__emo{display:flex;}\n .ark-fb__emo span{width:19px;height:19px;border-radius:50%;display:flex;align-items:center;justify-content:center;\n font-size:10px;border:2px solid #fff;margin-left:-5px;}\n .ark-fb__emo span:first-child{margin-left:0;}\n .ark-fb__comments{font-weight:700;color:#050505;}\n .ark-fb__acts{display:flex;justify-content:space-around;padding-top:10px;color:#65676B;font-weight:600;font-size:14px;}\n .ark-fb__acts span{display:flex;align-items:center;gap:7px;}\n .ark-fb__acts svg{width:17px;height:17px;flex:0 0 auto;}\n\n @media (max-width:900px){\n .ark-lp h2{font-size:26px;}\n .ark-lp section{padding:40px 0;}\n .ark-wave{height:34px;}\n .ark-checks{grid-template-columns:1fr;gap:12px;}\n .ark-author{flex-direction:column;gap:22px;}\n .ark-author__img{flex:none;width:100%;}\n .ark-car{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;}\n .ark-car__track{order:1;flex:0 0 100%;gap:16px;}\n .ark-car__item{flex:0 0 100%;}\n .ark-car__prev{order:2;}\n .ark-car__dots{order:3;margin:20px 16px 0;}\n .ark-car__next{order:4;}\n .ark-car__nav{position:static;transform:none;width:38px;height:38px;margin-top:20px;}\n .ark-faq summary{font-size:16.5px;padding:18px 38px 18px 2px;}\n .ark-faq summary:after{top:23px;}\n .ark-faq details[open] summary:after{top:28px;}\n }\n\u003c\/style\u003e\n\n\u003cdiv class=\"ark-lp\"\u003e\n\n \u003c!-- ============ 1. INSIDE THE SPREADSHEET ============ --\u003e\n \u003c!-- EDIT: check every feature below against your real file (number of debts, tabs, colour themes, video). --\u003e\n \u003csection\u003e\n \u003cdiv class=\"ark-wrap\"\u003e\n \u003cp class=\"ark-eyebrow\"\u003eInside the spreadsheet\u003c\/p\u003e\n \u003ch2\u003eStop guessing which debt to pay first.\u003cbr\u003eLet the sheet build the plan for you.\u003c\/h2\u003e\n \u003cp style=\"max-width:760px;\"\u003e\n This debt snowball spreadsheet for Google Sheets turns a messy list of balances into a clear, month by\n month payoff plan. Type in each debt once, pick your strategy, and the sheet works out exactly how much\n to pay on every account, which one falls next, and roughly when you will be debt free. No formulas to\n write, no app subscription, and no starting from a blank grid that breaks the moment you touch it.\n \u003c\/p\u003e\n\n \u003cul class=\"ark-checks\"\u003e\n \u003cli\u003eThree payoff methods in one sheet\n \u003cspan\u003eDebt snowball (smallest balance first), debt avalanche (highest interest first), or your own custom order.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eA setup tab that does the maths\n \u003cspan\u003eEnter the balance, rate and minimum for each debt. Future payments calculate automatically.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eMonth by month payoff schedule\n \u003cspan\u003eSee what to pay on each debt every month, with room to change your total in a tight or a good month.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eOne dashboard for every debt\n \u003cspan\u003eTrack up to 50 debts in one place, with a running total of everything you have paid off so far.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eA transaction log for extra money\n \u003cspan\u003eTax refund, side hustle or bonus? Log it and send it straight at the debt you choose.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eCharts that show the momentum\n \u003cspan\u003eProgress bars and graphs fill in as balances drop, so you can see the snowball building.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eYour projected debt free date\n \u003cspan\u003eWatch the date move closer every time you add an extra payment. That is the motivation.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003cli\u003eInstant download, simple setup\n \u003cspan\u003eA PDF with your copy link and a step by step walkthrough. Works on computer, phone and tablet.\u003c\/span\u003e\n\u003c\/li\u003e\n \u003c\/ul\u003e\n\n \u003cdiv class=\"ark-quote\"\u003e\n \u003cp\u003eYou do not need more willpower. You need a plan you can see.\u003cbr\u003eThis debt payoff spreadsheet puts it on one screen.\u003c\/p\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n\n \u003c!-- ============ 2. WHY WE BUILT IT ============ --\u003e\n \u003csection style=\"padding-top:16px;\"\u003e\n \u003cdiv class=\"ark-wrap\"\u003e\n \u003cdiv class=\"ark-author\"\u003e\n \u003cdiv class=\"ark-author__img\"\u003e\n \u003c!-- EDIT: replace with a screenshot or mockup of your debt dashboard tab --\u003e\n \u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/REPLACE-debt-snowball-dashboard.webp\" alt=\"Debt snowball spreadsheet for Google Sheets dashboard showing payoff progress\" loading=\"lazy\"\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-author__txt\"\u003e\n \u003ch2 style=\"margin-bottom:18px;\"\u003eWhy a debt payoff spreadsheet in Google Sheets works\u003c\/h2\u003e\n \u003cp\u003eMost people with several debts are not bad with money. They are paying a little on everything,\n every month, and never seeing a single balance actually disappear. That is exhausting, and it is the\n reason so many payoff plans get abandoned by month three.\u003c\/p\u003e\n \u003cp\u003eThe debt snowball fixes the feeling first. You clear the smallest balance fast, roll that payment\n into the next one, and the amount you throw at each debt keeps growing. Prefer to save the most on\n interest? Switch the same sheet to avalanche in one click.\u003c\/p\u003e\n \u003cp\u003eBecause it lives in Google Sheets, your debt snowball calculator spreadsheet is free to open, saves\n on its own, and goes with you on your phone. Update it on payday, glance at the dashboard, and\n you always know the next step.\u003c\/p\u003e\n \u003cp style=\"margin-top:24px;\"\u003e\u003ca class=\"ark-btn\" href=\"#\"\u003eGet yours now\u003c\/a\u003e\u003c\/p\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n\n \u003c!-- ============ 3. REVIEWS SLIDER ============ --\u003e\n \u003c!--\n EDIT: these are SAMPLE placeholders. Replace each quote, name and photo with real customer\n feedback before publishing. Publishing invented reviews as genuine is illegal in the US, UK and EU.\n Add a photo by pasting the URL inside url('') on each ark-rev__img.\n --\u003e\n \u003cdiv class=\"ark-full\" style=\"background:var(--grey);\"\u003e\n \u003csection\u003e\n \u003cdiv class=\"ark-wrap\"\u003e\n \u003ch2 class=\"ark-center\"\u003eSee why people stick with this plan\u003c\/h2\u003e\n \u003cp class=\"ark-center\" style=\"max-width:620px;margin:0 auto;\"\u003eReal words from people paying off their debt with it.\u003c\/p\u003e\n\n \u003cdiv class=\"ark-car\" data-ark-car\u003e\n \u003cbutton class=\"ark-car__nav ark-car__prev\" data-ark-prev aria-label=\"Previous\"\u003e\n \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"15 18 9 12 15 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n \u003c\/button\u003e\n\n \u003cdiv class=\"ark-car__track\" data-ark-track\u003e\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-rev\"\u003e\n \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__body\"\u003e\n \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n \u003cp\u003e\"Sample review: replace with a real customer quote, ideally one that mentions how easy setup was.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-rev\"\u003e\n \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__body\"\u003e\n \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n \u003cp\u003e\"Sample review: replace with a real customer quote about seeing their debt free date for the first time.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-rev\"\u003e\n \u003cdiv class=\"ark-rev__img\" style=\"background-image:url('');\"\u003e\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__body\"\u003e\n \u003cdiv class=\"ark-stars\"\u003e★★★★★\u003c\/div\u003e\n \u003cp\u003e\"Sample review: replace with a real customer quote about paying off their first debt using the snowball method.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-rev__who\"\u003eCustomer name\u003c\/div\u003e\n \u003cdiv class=\"ark-rev__badge\"\u003eSample review\u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n\n \u003cbutton class=\"ark-car__nav ark-car__next\" data-ark-next aria-label=\"Next\"\u003e\n \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"9 18 15 12 9 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n \u003c\/button\u003e\n\n \u003cdiv class=\"ark-car__dots\" data-ark-dots\u003e\u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n \u003c\/div\u003e\n\n \u003c!-- ============ 4. BLACK BAND: FAQ + SOCIAL ============ --\u003e\n \u003cdiv class=\"ark-full ark-black\"\u003e\n\n \u003csvg class=\"ark-wave\" viewbox=\"0 0 1440 70\" preserveaspectratio=\"none\" style=\"margin-top:-1px;\"\u003e\n \u003cpath d=\"M0,0 C240,58 480,10 720,26 C960,42 1200,60 1440,20 L1440,0 Z\" fill=\"#F0F1F2\"\u003e\u003c\/path\u003e\n \u003cpath d=\"M0,0 C240,44 480,0 720,16 C960,32 1200,50 1440,8 L1440,0 Z\" fill=\"#B9BDC3\" opacity=\".5\"\u003e\u003c\/path\u003e\n \u003c\/svg\u003e\n\n \u003c!-- FAQ --\u003e\n \u003csection style=\"padding-top:14px;padding-bottom:30px;\"\u003e\n \u003cdiv class=\"ark-wrap ark-center\"\u003e\n \u003cp class=\"ark-eyebrow\"\u003eFrequently asked\u003c\/p\u003e\n \u003ch2 style=\"font-size:40px;margin-bottom:0;\"\u003eQuestions\u003c\/h2\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-wrap\"\u003e\n \u003cdiv class=\"ark-faq\"\u003e\n \u003cdetails\u003e\n \u003csummary\u003eIs this a physical product or a download?\u003c\/summary\u003e\n \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eIt is fully digital. Right after checkout you get a PDF by email with your\n personal link to make a copy of the spreadsheet in your own Google account, plus a video\n walkthrough. Nothing ships, so you can build your payoff plan tonight.\u003c\/p\u003e\u003c\/div\u003e\n \u003c\/details\u003e\n \u003cdetails\u003e\n \u003csummary\u003eDoes it work in Excel or Numbers?\u003c\/summary\u003e\n \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eNo. It is built as a debt payoff spreadsheet for Google Sheets, and some\n formulas and charts will not work correctly in Excel or Numbers. All you need is a free Google\n account. It runs on a computer, phone or tablet.\u003c\/p\u003e\u003c\/div\u003e\n \u003c\/details\u003e\n \u003cdetails\u003e\n \u003csummary\u003eWhat is the difference between snowball and avalanche?\u003c\/summary\u003e\n \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eThe snowball pays the smallest balance off first for quick wins and motivation.\n The avalanche targets the highest interest rate first to save the most money. This debt snowball\n calculator spreadsheet lets you use either, or set your own custom order, and compare.\u003c\/p\u003e\u003c\/div\u003e\n \u003c\/details\u003e\n \u003cdetails\u003e\n \u003csummary\u003eI am not good with spreadsheets. Can I still use it?\u003c\/summary\u003e\n \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eYes. You only fill in a few cells on the setup tab: the name, balance,\n interest rate and minimum payment for each debt. Every calculation, schedule and chart is already\n built. The video walks you through it in a few minutes.\u003c\/p\u003e\u003c\/div\u003e\n \u003c\/details\u003e\n \u003cdetails\u003e\n \u003csummary\u003eIs my financial information private?\u003c\/summary\u003e\n \u003cdiv class=\"ark-a\"\u003e\u003cp\u003eYes. The sheet is copied into your own Google Drive, so only you can see it.\n We never have access to your copy or the numbers you enter.\u003c\/p\u003e\u003c\/div\u003e\n \u003c\/details\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n\n \u003c!-- Social proof --\u003e\n \u003c!-- EDIT: SAMPLE placeholders. Only publish comments you actually received, with permission,\n and replace the names, photos, times and reaction counts with the real ones. --\u003e\n \u003csection style=\"padding-top:10px;\"\u003e\n \u003cdiv class=\"ark-wrap\"\u003e\n \u003ch2 class=\"ark-center\" style=\"margin-bottom:6px;\"\u003eWhat our customers are saying\u003c\/h2\u003e\n\n \u003cdiv class=\"ark-car\" data-ark-car\u003e\n \u003cbutton class=\"ark-car__nav ark-car__prev\" data-ark-prev aria-label=\"Previous\"\u003e\n \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"15 18 9 12 15 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n \u003c\/button\u003e\n\n \u003cdiv class=\"ark-car__track\" data-ark-track\u003e\n\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-fb__card\"\u003e\n \u003cdiv class=\"ark-fb__top\"\u003e\n \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-01.webp?v=1787865885\"\u003e\n \u003cdiv class=\"ark-fb__who\"\u003e\n \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__time\"\u003e2h ago\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n finally seeing all their debts and payments on one dashboard.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-fb__stats\"\u003e\n \u003cdiv class=\"ark-fb__react\"\u003e\n \u003cdiv class=\"ark-fb__emo\"\u003e\n \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__acts\"\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-fb__card\"\u003e\n \u003cdiv class=\"ark-fb__top\"\u003e\n \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-02.webp?v=1787865884\"\u003e\n \u003cdiv class=\"ark-fb__who\"\u003e\n \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__time\"\u003e48 minutes ago\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n using the transaction log to throw a tax refund at their credit card.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-fb__stats\"\u003e\n \u003cdiv class=\"ark-fb__react\"\u003e\n \u003cdiv class=\"ark-fb__emo\"\u003e\n \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__acts\"\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n\n \u003cdiv class=\"ark-car__item\"\u003e\n \u003cdiv class=\"ark-fb__card\"\u003e\n \u003cdiv class=\"ark-fb__top\"\u003e\n \u003cimg class=\"ark-fb__ava\" loading=\"lazy\" alt=\"Customer\" src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0811\/1577\/5263\/files\/social-prof-03.webp?v=1787865884\"\u003e\n \u003cdiv class=\"ark-fb__who\"\u003e\n \u003cdiv class=\"ark-fb__name\"\u003eCustomer name\n \u003csvg class=\"ark-fb__verified\" viewbox=\"0 0 24 24\" fill=\"#1877F2\"\u003e\u003cpath d=\"M12 1l2.6 2.2 3.4-.3.9 3.3 2.9 1.8-1.3 3.2 1.3 3.2-2.9 1.8-.9 3.3-3.4-.3L12 23l-2.6-2.2-3.4.3-.9-3.3L2.2 16l1.3-3.2L2.2 9.6l2.9-1.8.9-3.3 3.4.3z\"\u003e\u003c\/path\u003e\u003cpath d=\"M10.8 15.3l-3-3 1.3-1.3 1.7 1.7 4-4 1.3 1.3z\" fill=\"#fff\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__time\"\u003e5h ago\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__more\"\u003e⋯\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cp class=\"ark-fb__txt\"\u003e\"Sample comment: paste a real customer post here, for example about\n working through the payoff plan together with their partner.\"\u003c\/p\u003e\n \u003cdiv class=\"ark-fb__stats\"\u003e\n \u003cdiv class=\"ark-fb__react\"\u003e\n \u003cdiv class=\"ark-fb__emo\"\u003e\n \u003cspan style=\"background:#1877F2;\"\u003e👍\u003c\/span\u003e\n \u003cspan style=\"background:#F33E58;\"\u003e❤\u003c\/span\u003e\n \u003cspan style=\"background:#F7B125;\"\u003e😘\u003c\/span\u003e\n \u003c\/div\u003e\n\u003cspan\u003e0\u003c\/span\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__comments\"\u003e0 comments\u003c\/div\u003e\n \u003c\/div\u003e\n \u003cdiv class=\"ark-fb__acts\"\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M7 10.5V20H4.6A1.6 1.6 0 0 1 3 18.4v-6.3a1.6 1.6 0 0 1 1.6-1.6H7z\"\u003e\u003c\/path\u003e\u003cpath d=\"M7 10.5l4.4-7.1a1.6 1.6 0 0 1 2.9 1.1l-.8 3.9h4.8a2 2 0 0 1 1.95 2.45l-1.5 6.5A2 2 0 0 1 16.8 20H7z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eLike\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M21 11.6c0 4.5-4 8.1-9 8.1a10 10 0 0 1-3.2-.5L3.5 21l1.8-4.2A7.7 7.7 0 0 1 3 11.6c0-4.5 4-8.1 9-8.1s9 3.6 9 8.1z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eComment\u003c\/span\u003e\n \u003cspan\u003e\u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M3 17.5c.6-5.2 4.3-7.8 9.5-7.9V5.2L21 12l-8.5 6.8V14c-4.3 0-7.2 1-9.5 3.5z\"\u003e\u003c\/path\u003e\u003c\/svg\u003eShare\u003c\/span\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n\n \u003c\/div\u003e\n\n \u003cbutton class=\"ark-car__nav ark-car__next\" data-ark-next aria-label=\"Next\"\u003e\n \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpolyline points=\"9 18 15 12 9 6\"\u003e\u003c\/polyline\u003e\u003c\/svg\u003e\n \u003c\/button\u003e\n\n \u003cdiv class=\"ark-car__dots\" data-ark-dots\u003e\u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n\n \u003csvg class=\"ark-wave\" viewbox=\"0 0 1440 70\" preserveaspectratio=\"none\" style=\"margin-bottom:-1px;\"\u003e\n \u003cpath d=\"M0,70 C240,12 480,60 720,44 C960,28 1200,10 1440,50 L1440,70 Z\" fill=\"#FFFFFF\"\u003e\u003c\/path\u003e\n \u003cpath d=\"M0,70 C240,26 480,70 720,54 C960,38 1200,20 1440,62 L1440,70 Z\" fill=\"#B9BDC3\" opacity=\".45\"\u003e\u003c\/path\u003e\n \u003c\/svg\u003e\n \u003c\/div\u003e\n\n \u003c!-- ============ 5. FINAL CTA ============ --\u003e\n \u003csection style=\"padding-top:34px;\"\u003e\n \u003cdiv class=\"ark-wrap ark-center\"\u003e\n \u003ca class=\"ark-btn ark-btn--wide\" href=\"#\"\u003eADD TO CART\u003c\/a\u003e\n \u003c!-- EDIT: match this to your store's refund policy (your budget sheet page uses 7 days) --\u003e\n \u003cp style=\"margin-top:16px;font-weight:700;color:var(--ink);\"\u003e30 day money back guarantee\u003c\/p\u003e\n \u003cp style=\"font-size:13px;color:#8A8F98;line-height:1.6;margin:26px 0 0;text-align:left;\"\u003e\n This debt payoff spreadsheet is a planning tool for informational and educational purposes only. It is\n not financial, legal or tax advice, and payoff dates are estimates based on the numbers you enter.\n Actual results depend on your lenders, interest changes and the payments you make. For advice about\n your situation, speak with a qualified financial professional. Requires a free Google account; not\n compatible with Excel or Numbers.\n \u003c\/p\u003e\n \u003c\/div\u003e\n \u003c\/section\u003e\n\n\u003c\/div\u003e\n\n\u003cscript\u003e\n(function(){\n document.querySelectorAll('[data-ark-car]').forEach(function(car){\n var track = car.querySelector('[data-ark-track]');\n var prev = car.querySelector('[data-ark-prev]');\n var next = car.querySelector('[data-ark-next]');\n var dots = car.querySelector('[data-ark-dots]');\n if(!track || !prev || !next || !dots) return;\n\n function pages(){ return Math.max(1, Math.round(track.scrollWidth \/ track.clientWidth)); }\n function current(){ return Math.round(track.scrollLeft \/ track.clientWidth); }\n\n function sync(){\n var c = current();\n Array.prototype.forEach.call(dots.children, function(d,i){ d.classList.toggle('is-on', i===c); });\n }\n\n function build(){\n var n = pages(), hide = n \u003c= 1;\n prev.hidden = hide; next.hidden = hide;\n dots.innerHTML = '';\n if(hide) return;\n for(var i=0;i\u003cn;i++){\n var b = document.createElement('button');\n b.type = 'button';\n b.setAttribute('aria-label','Go to slide '+(i+1));\n (function(idx){\n b.addEventListener('click', function(){\n track.scrollTo({ left: idx*track.clientWidth, behavior:'smooth' });\n });\n })(i);\n dots.appendChild(b);\n }\n sync();\n }\n\n prev.addEventListener('click', function(){ track.scrollBy({ left:-track.clientWidth, behavior:'smooth' }); });\n next.addEventListener('click', function(){ track.scrollBy({ left: track.clientWidth, behavior:'smooth' }); });\n\n var t;\n track.addEventListener('scroll', function(){ clearTimeout(t); t = setTimeout(sync, 90); }, { passive:true });\n window.addEventListener('resize', function(){ clearTimeout(t); t = setTimeout(build, 200); });\n build();\n });\n})();\n\u003c\/script\u003e","brand":"ARKEONIC","offers":[{"title":"Default Title","offer_id":53148986999071,"sku":null,"price":12.0,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.arkeonic.com\/products\/debt-snowball-spreadsheet-for-google-sheets","provider":"ARKEONIC","version":"1.0","type":"link"}