Credit Card Debt Payoff Tracker | Snowball, Avalanche Calculator (Google Sheets, Excel)

💳 Finally know EXACTLY when you'll be debt-free.

This Credit Card Debt Payoff Tracker takes your messy pile of credit cards and turns them into a clear, step-by-step plan — with your exact debt-free date calculated automatically.
No complicated setup. No formulas to write. Just enter your cards and let the spreadsheet do everything.

📦 WHAT'S INCLUDED — 5 Sheets

Sheet 1 — Dashboard
The moment you open the file, you see your total debt, average interest rate, total monthly payment, and your debt-free date for BOTH methods side by side.

Sheet 2 — My Debts
Enter up to 10 credit cards with balance, APR, minimum payment and optional extra payment. Every total auto-calculates instantly.

Sheet 3 — Snowball Calculator
Your cards auto-sorted from smallest to largest balance. See the exact payoff order, months per card, and estimated payoff date for each one.

Sheet 4 — Avalanche Calculator
Your cards auto-sorted from highest to lowest interest rate — the mathematically optimal order that saves the most money in interest.

Sheet 5 — Payment Log
Record every payment you make. Watch your balance drop in real time with a running total tracker and 40 rows of payment history.

⚡ HOW IT WORKS
Download both files included in your purchase
Open the EXAMPLE file to see how it looks filled in
Open the BLANK template to enter your own cards
Use in Microsoft Excel or upload to Google Drive for Google Sheets (free)
Log payments monthly and watch your debt-free date get closer

✅ WORKS WITH
Google Sheets — upload the file to Google Drive, it converts automatically for free
Microsoft Excel 2016 and above
Mac and Windows
Mobile viewing

💡 PERFECT FOR YOU IF:
You have 2–10 credit cards and feel overwhelmed
You want to know your exact debt-free date
You've tried budgeting apps but want something you actually own
You want to compare snowball vs avalanche method side by side
You're serious about becoming debt-free in 2026

🎁 WHAT YOU GET
✅ Blank template — ready to fill in
✅ Pre-filled example — so you know exactly how it works
✅ Both Snowball AND Avalanche methods included
✅ Auto-calculated debt-free dates
✅ Works in Google Sheets and Excel

📥 INSTANT DOWNLOAD — No waiting. No shipping. Both files delivered immediately after purchase.
Personal use only. Not for resale or redistribution.
Questions? Message me and I'll respond within 24 hours.
That's 100% copy-paste ready.

Files are delivered as a .zip folder. Simply extract/unzip to access both Excel files inside. On iPhone tap the zip → it extracts automatically. On Android use Files app.