{"product_id":"debt-payoff-tracker-excel-google-sheets-debt-snowball-avalanche-spreadsheet-credit-card-payoff-debt-free-planner-mortgage-calculator","title":"Debt Payoff Tracker Excel \u0026 Google Sheets, Debt Snowball Avalanche Spreadsheet, Credit Card Payoff, Debt Free Planner, Mortgage Calculator","description":"\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eDEBT PAYOFF TRACKER for Excel \u0026amp; Google Sheets — see your debt-free date the moment you type in your debts.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eType in what you owe. Pick Snowball, Avalanche or your own Custom order. The dashboard shows the month you'll be debt free, how much interest you'll pay, and how much you save compared with paying minimums only.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThen log each payment and watch the progress bars and the 100-square countdown fill in.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e━━━━━━━━━━━━━━━━━━\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eWHAT'S INSIDE THE SPREADSHEET (11 tabs)\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Dashboard: total debt, paid so far, debt-free date, months to go, interest saved. Includes progress bars, a 100-square countdown that colours itself in, and charts.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• My Debts: up to 15 debts. Balance, APR and minimum payment are all you need.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Compare Plans: Snowball vs Avalanche vs Custom vs minimums only, compared in dollars and months, with the cheapest plan named.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Payoff Schedule: month by month for every debt, up to 30 years. Each debt's payment rolls to the next one when it's paid off.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Payment Log: record what you actually pay. Everything updates.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Payment Checklist: 12 months × every debt. Mark each one Paid, Late or Skipped.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Milestones: 10%, 25%, halfway, debt free. Plan how you'll celebrate.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Find Your Extra (NEW): a monthly budget worksheet that shows what you can really put toward debt, plus cut-back ideas to free up more.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Payoff Calculators (NEW): how long will one debt take? What must I pay to be debt free by a date? Is a balance transfer worth it?\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Mortgage Payoff Calculator (NEW): see how extra payments shorten your mortgage and how much interest they save.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Start Here: setup steps inside the file.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e━━━━━━━━━━━━━━━━━━\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eBONUS: 15-PAGE PRINTABLE PACK (US Letter + A4)\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eDebt Inventory · Snowball Order · Avalanche Order · Single Debt Tracker · Credit Card Payoff · Monthly Payment Log · 100-Square Debt-Free Countdown · Colour-In Payoff Hearts · Monthly Bill Checklist · Monthly Check-In · Milestones \u0026amp; Wins · Find Your Extra · No-Spend Challenge · My Debt-Free Why\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e━━━━━━━━━━━━━━━━━━\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eWORKS FOR\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eCredit cards, student loans, car loans, personal loans, medical bills, Buy Now Pay Later, money owed to family, and your mortgage.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eWORKS WITH\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eMicrosoft Excel (2010 and newer, Windows and Mac), Google Sheets, Apple Numbers and LibreOffice, on desktop, tablet and phone. No macros, no subscription, no account to create.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eTo use Google Sheets: upload the file to Google Drive, open it, then File → Save as Google Sheets. Formulas, dropdowns and charts carry over.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e━━━━━━━━━━━━━━━━━━\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eHOW IT WORKS\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e1. Buy. The files appear in your downloads straight away.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e2. Unzip the download, open the spreadsheet and type over the sample debts on the My Debts tab.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e3. Choose Snowball, Avalanche or Custom on the Dashboard.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e4. Log payments as you make them. The tracker does the maths.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e━━━━━━━━━━━━━━━━━━\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003eYOU RECEIVE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Debt Payoff Tracker (.xlsx)\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Debt Payoff Printables, US Letter (PDF, 15 pages)\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Debt Payoff Printables, A4 (PDF, 15 pages)\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Start Here guide (PDF)\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThe first three come in one ZIP file. The Start Here guide is also attached separately. On a phone, save the ZIP and open it on a computer, or use the Files app.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cstrong\u003ePLEASE NOTE\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis is a digital download. Nothing is shipped. Files are delivered instantly, so all sales are final. If anything won't open, message us and we'll fix it the same day.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThis is a planning tool, not financial advice. It assumes fixed interest rates and minimum payments. Your lender's figures are the ones that count.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003ePersonal use only. Please don't share or resell the files.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eClearToolsCo · CTC-FIN-DEBTXLSX\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":67622542835990,"sku":"CTC-FIN-DEBTXLSX","price":11.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1014\/1407\/6694\/files\/01-hero.png?v=1790777711","url":"https:\/\/cleartoolsco.myshopify.com\/products\/debt-payoff-tracker-excel-google-sheets-debt-snowball-avalanche-spreadsheet-credit-card-payoff-debt-free-planner-mortgage-calculator","provider":"CleartoolsCo","version":"1.0","type":"link"}