Put three debts in one view
The example starts with $12,200 across two cards and a car loan.
Minimum payments total $390; $150 extra creates a $540 monthly budget.
Try Debt Payoff.
Change a yellow input and see how the numbers respond. Switch tabs to explore the rest of the workbook.
Sample figures in USD · No account needed · Your changes stay in this preview
Sheetlark / Debt PayoffSample data
A path toward zero
Dashboard previewStarting debt$12,200
Estimated payoff26 months
Estimated interest$1,653.46
Snowball prioritizes Card A, then Card B, then the car loan.
Sample workbook figures. Figures use fictional inputs.
Try a payment strategy
Example · sample figuresStarting debt$12,200
Estimated payoff26 months
Estimated interest$1,653.46
Fixed-rate model: 26 estimated months. Not a guaranteed payoff date.
| Debt | Balance | APR | Minimum |
|---|---|---|---|
| Card A | $1,200 | 24.9% | $50 |
| Car loan | $8,000 | 6% | $240 |
| Card B | $3,000 | 29.9% | $100 |
Sample figures in USD. Fixed APR / 12, monthly cent rounding, month-end payments, no new borrowing or fees.
Follow the payment schedule
The workbook follows monthly interest, payments and remaining balances, up to 360 months.
| Month | Payment budget | Balance |
|---|---|---|
| 1 | Up to $540 | $11,799.65 |
| 2 | Up to $540 | $11,394.04 |
| 3 | Up to $540 | $10,983.08 |
| 4 | Up to $540 | $10,566.66 |
| 5 | Up to $540 | $10,144.68 |
| 6 | Up to $540 | $9,717.03 |
Start with your own copy
Start Here- Create your copy
Use a Google account to copy the workbook into your own Drive after receiving your template.
- Try the example
Change a yellow input in Example. Practice figures stay separate from your own plan.
- Fill the yellow cells
Add your inputs, then review Dashboard. Leave formula cells intact.
No bank connection, add-on, or Apps Script authorization required. Desktop setup is recommended.
Your next step
Does Debt Payoff fit your routine?
See the included tabs, setup steps and supported capacity before choosing.
What to look for.
Estimates use fixed APR divided by 12, monthly interest rounded to cents, month-end payments and fixed original minimums. No new borrowing, fees or rate changes; outcomes are not guaranteed.
Choose a payment order
Snowball starts with Card A; avalanche starts with Card B at 29.9% APR.
This example estimates 26 months for both strategies.
Compare estimated interest
Keep the same debt inputs and payment budget.
The example model estimates $1,653.46 interest for snowball and $1,592.46 for avalanche.