{"product_id":"debt-payoff-planner-google-sheets-excel","title":"Debt Payoff Planner — Snowball \u0026 Avalanche Calculator for Google Sheets \u0026 Excel","description":"\u003cdiv class=\"ss-product-desc\"\u003e\n\u003cp class=\"ss-intro\"\u003eThis Debt Payoff Planner calculates two proven strategies side by side: the Debt Snowball and the Debt Avalanche. Enter up to 8 debts once, and it automatically ranks your payoff order, projects your debt-free date, and shows exactly how much interest each method saves you. Beginner-friendly, built for Google Sheets and Excel.\u003c\/p\u003e\n\u003ch3 class=\"ss-heading\"\u003e✨ Why You'll Love It\u003c\/h3\u003e\n\u003cul class=\"ss-list\"\u003e\n\u003cli\u003e✔ Compare the Snowball and Avalanche methods side by side, calculated automatically\u003c\/li\u003e\n\u003cli\u003e✔ Track up to 8 debts with automatic payoff ranking for each strategy\u003c\/li\u003e\n\u003cli\u003e✔ See your projected debt-free date and total interest for both methods\u003c\/li\u003e\n\u003cli\u003e✔ Follow a 120-month simulation that shows exactly how your balances shrink\u003c\/li\u003e\n\u003cli\u003e✔ Hit five milestones along the way, from 10% paid to fully debt-free\u003c\/li\u003e\n\u003cli\u003e✔ Works perfectly in both Google Sheets and Microsoft Excel\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cdiv class=\"ss-box\"\u003e\n\u003cdiv class=\"ss-box-title\"\u003e🌞 Light \u0026amp; 🌙 Dark Versions Included\u003c\/div\u003e\n\u003cdiv class=\"ss-box-text\"\u003eGet both a bright Light edition and an eye-friendly Dark edition in one purchase. They're two separate files, so your entries don't transfer between them, just pick the one you love.\u003c\/div\u003e\n\u003c\/div\u003e\n\u003ch3 class=\"ss-heading\"\u003e📦 What's Included\u003c\/h3\u003e\n\u003cul class=\"ss-list\"\u003e\n\u003cli\u003e✔ Light Edition — Excel (.xlsx) + Google Sheets copy link\u003c\/li\u003e\n\u003cli\u003e✔ Dark Edition — Excel (.xlsx) + Google Sheets copy link\u003c\/li\u003e\n\u003cli\u003e✔ Quick Start Guide (PDF)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 class=\"ss-heading\"\u003e🎯 Perfect For\u003c\/h3\u003e\n\u003cul class=\"ss-list\"\u003e\n\u003cli\u003e✔ Anyone starting a debt-free journey who's unsure whether snowball or avalanche fits them better\u003c\/li\u003e\n\u003cli\u003e✔ People juggling multiple cards or loans who want one place to see it all\u003c\/li\u003e\n\u003cli\u003e✔ A supportive gift for someone committing to get out of debt this year\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 class=\"ss-heading\"\u003e💬 Frequently Asked Questions\u003c\/h3\u003e\n\u003cdetails class=\"ss-faq-item\"\u003e\u003csummary class=\"ss-faq-q\"\u003eWhat's the difference between the Snowball and Avalanche methods, and do I have to choose?\u003c\/summary\u003e\u003cp class=\"ss-faq-a\"\u003eNo, you don't have to choose. Both strategies are calculated automatically side by side from the same debts, so you can compare your projected debt-free date and total interest for each before deciding which to follow.\u003c\/p\u003e\u003c\/details\u003e\n\u003cdetails class=\"ss-faq-item\"\u003e\u003csummary class=\"ss-faq-q\"\u003eDoes it work with Google Sheets and Excel?\u003c\/summary\u003e\u003cp class=\"ss-faq-a\"\u003eYes. Every purchase includes both versions, so you can use whichever platform you prefer.\u003c\/p\u003e\u003c\/details\u003e\n\u003cdetails class=\"ss-faq-item\"\u003e\u003csummary class=\"ss-faq-q\"\u003eCan I use my own currency?\u003c\/summary\u003e\u003cp class=\"ss-faq-a\"\u003eYes. You can change the currency symbol in seconds without affecting any formulas or calculations.\u003c\/p\u003e\u003c\/details\u003e\n\u003cdetails class=\"ss-faq-item\"\u003e\u003csummary class=\"ss-faq-q\"\u003eHow many debts can I track?\u003c\/summary\u003e\u003cp class=\"ss-faq-a\"\u003eUp to 8 debts, each with its own balance, APR, and minimum payment. Add your extra monthly payment once, and both payoff strategies update automatically.\u003c\/p\u003e\u003c\/details\u003e\n\u003c\/div\u003e","brand":"SereneSheets","offers":[{"title":"Default Title","offer_id":48664092049600,"sku":null,"price":14.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0767\/1532\/7680\/files\/ddd.png?v=1783295489","url":"https:\/\/serenesheets.com\/products\/debt-payoff-planner-google-sheets-excel","provider":"SereneSheets","version":"1.0","type":"link"}