Four debts, one extra $200 a month. Which one gets it?
Rank your debts by avalanche or snowball, flag anything above about 7% APR, and see exactly where the extra money goes.
Google Sheet (.xlsx) + printable PDF. Opens in Google Sheets or Excel. Instant download.
Ranks both ways
Avalanche (highest rate first) and snowball (smallest balance first) side by side.
Flags the expensive ones
Anything above about 7% APR is marked as a priority.
Shows where the extra goes
One debt gets the extra payment each month, and the sheet tells you which.
payoff methods, avalanche and snowball
APR flag on costly debt
files: PDF and Google Sheet
Searches for a Google Sheets debt payoff template rose 1,050% in the US, Jan-Sep 2026 against 2025. This one is built to do the ranking for you.
Google Trends, US, Jan-Sep 2026 vs 2025What changes after you fill it in
One page for every debt
Balance, APR and minimum payment for each debt, in one place.
A clear order
Avalanche or snowball. Pick the one you will actually stick with.
A falling total
A monthly progress tab shows the total going down.
Paper if you want it
A printable version is included for the fridge or the desk.
Everything in the download
- Google Sheet (.xlsx). Ranks debts both ways, flags anything above about 7% APR, tells you which debt gets the extra.
- Monthly progress tab. A total that falls as you pay.
- Printable PDF. A debt table and a progress page.
- Opens in Google Sheets or Excel. In Google Sheets, use File > Import.
List, rank, pay, track
List every debt
Balance, APR and minimum payment for each.
Choose your order
Avalanche costs less. Snowball gives quicker wins. Pick the one you will keep.
Put the extra on one
The sheet names the debt that gets the extra each month.
Track the total
Update the progress tab monthly and watch it fall.
A good fit if you have more than one balance
Use this if
- You carry two or more debts and are not sure which to pay down first.
- You want to see the order on a sheet rather than work it out in your head.
- You like having a printable copy too.
Skip it if
- You want the full seven-step order of money priorities. See What to Fund First, which is free.
- You want a debt consolidation or credit recommendation. This is a tracker.
- You want an app that connects to your accounts. This is a sheet you fill in.
Why a plan beats a guess
of US adults began 2026 feeling financial stress.
NEFE, Jan 2026are very confident they split spare money well across debt, savings and retirement. Among people earning $200K+, 64% are only somewhat confident.
Vestwell, June 2026report money dysmorphia: feeling broke despite a healthy position.
Intuit Credit Karma, via FinderWhat readers say about Debt Payoff Planner
Put every balance on one page
A Google Sheet that ranks your debts, plus a printable copy.
- Google Sheet (.xlsx) with avalanche and snowball ranking
- APR flag above about 7%
- Monthly progress tab
- Printable PDF
Before you decide
Do I need Google Sheets?
No. The file is an .xlsx, so it opens in Google Sheets (File > Import) or in Excel. The printable PDF also works on its own.
Avalanche or snowball?
The sheet ranks both. Avalanche pays the highest rate first and costs less. Snowball pays the smallest balance first and gives quicker wins. Pick the one you will stick with.
How long does setup take?
List each debt with its balance, APR and minimum. For a handful of debts that is a short sitting.
Does it connect to my bank?
No. You type the numbers in. Nothing is linked to your accounts.
Can I print it or use it on a tablet?
Yes. The printable PDF works on paper or in any PDF app. It is US Letter and prints on A4 at fit to page.
Is this financial advice?
No. General education, not financial advice.
The next step after this one
Know which debt gets the next dollar.
List them, rank them, pay one down first.
Get it for $9Instant download on Gumroad.