Debt Snowball & Avalanche Tracker: Google Sheets Payoff Planner (Digital Download)

Crush your debt faster with the most complete Debt Snowball & Avalanche Tracker on Etsy! 💪

This premium Blush Pink Google Sheets template gives you BOTH proven payoff methods side by side, a debt-free date forecast, total interest calculations, per-debt payment logging, and progress charts — all across 10 powerful tabs with 316 auto-calculating formulas.

✦ WHY THIS BEATS THE REST:
Most debt trackers give you one method and one summary number. EasyVault gives you Snowball AND Avalanche to compare, a full payment schedule, AND per-debt payment logging (so you're not lumping every payment into one figure).

✦ WHAT'S INSIDE (10 TABS):

✨ Welcome — Friendly intro with quick-start guide
💳 Debt Tracker — Log 12 debts with balance, APR, minimum, credit limit & utilization
⚖️ Method Compare — Snowball vs Avalanche vs Custom — see which saves you more
📊 Payoff Dashboard — Debt-free date, total paid, progress % & debt-by-type pie chart
❄️ Snowball Plan — Smallest balance first for quick, motivating wins
🏔️ Avalanche Plan — Highest interest first to save the most money
📅 Payment Schedule — Auto-generated 24-month month-by-month payoff timeline
📝 Payment Log — 100-row per-debt payment history with running balances
📈 Progress Charts — Debt-free milestones & 12-month trend graphs
📒 Notes & Motivation — Goals, reflection prompts & motivation to stay on track

✦ KEY FEATURES:
• BOTH Snowball & Avalanche methods — compare side by side
• Debt-free date forecast
• Total interest paid & interest saved calculations
• Credit utilization tracking per card
• Per-debt payment logging (not just one lump sum!)
• 24-month payment schedule with principal/interest split
• Debt-free milestone tracker (25%, 50%, 75%, 100%)
• 316 auto-calculating formulas — zero manual math
• Premium Blush Pink theme with rose gold accents
• Works on desktop, tablet & mobile

✦ CHARTS & VISUALS:
• Bar Chart — Snowball vs Avalanche total interest
• Pie Chart — Debt by type
• Bar Chart — Paid off vs remaining
• Bar Chart — Debt balances in payoff order (both methods)
• Line Chart — Debt balance over time (24 months)
• Line Chart — Total debt vs total paid (12-month trend)

✦ BONUS INCLUDED:
Your purchase includes a SAMPLE DATA file pre-filled with realistic debts, payments, and progress so you can see exactly how everything works before adding your own numbers.

✦ HOW TO USE:
1. Purchase and download the PDF with your Google Sheets link
2. Click the link and go to File → Make a Copy
3. Enter your debts in the 💳 Debt Tracker tab
4. Set your monthly payment budget in ⚖️ Method Compare
5. Pick Snowball or Avalanche, follow the order & watch your debt disappear!

✦ WHAT YOU GET:
• 1x Debt Snowball & Avalanche Tracker (Google Sheets — blank)
• 1x BONUS Sample Data Template (Google Sheets — pre-filled)
• Step-by-step instructions included

✦ REQUIREMENTS:
• Free Google account (works with Google Sheets)
• NOT compatible with Excel (Google Sheets only)
• Works on any device with internet access

✦ DEBT SNOWBALL vs AVALANCHE — WHICH IS RIGHT FOR YOU?
• SNOWBALL: Pay your smallest balance first. You'll knock out debts quickly and build momentum — great if you need motivating wins.
• AVALANCHE: Pay your highest interest rate first. You'll pay less interest overall — the mathematically optimal path.
This template lets you compare both and pick what keeps YOU consistent. Consistency beats math!

✦ WHY EASYVAULT?
While other sellers offer a single-method, single-tab tracker, EasyVault gives you both methods, a payment schedule, per-debt logging, and progress charts — 10 premium tabs .

⚖️ DISCLAIMER:
This product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.

© EasyVault. All rights reserved. Personal use only.
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