{"product_id":"debt-snowball-avalanche-tracker-google-94958","title":"Debt Snowball \u0026 Avalanche Tracker: Google Sheets Payoff Planner (Digital Download)","description":"\u003cp\u003eCrush your debt faster with the most complete Debt Snowball \u0026amp; Avalanche Tracker on Etsy! 💪\u003c\/p\u003e\n\u003cp\u003eThis 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.\u003c\/p\u003e\n\u003cp\u003e✦ WHY THIS BEATS THE REST:\u003cbr\u003e\nMost 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).\u003c\/p\u003e\n\u003cp\u003e✦ WHAT'S INSIDE (10 TABS):\u003c\/p\u003e\n\u003cp\u003e✨ Welcome — Friendly intro with quick-start guide\u003cbr\u003e\n💳 Debt Tracker — Log 12 debts with balance, APR, minimum, credit limit \u0026amp; utilization\u003cbr\u003e\n⚖️ Method Compare — Snowball vs Avalanche vs Custom — see which saves you more\u003cbr\u003e\n📊 Payoff Dashboard — Debt-free date, total paid, progress % \u0026amp; debt-by-type pie chart\u003cbr\u003e\n❄️ Snowball Plan — Smallest balance first for quick, motivating wins\u003cbr\u003e\n🏔️ Avalanche Plan — Highest interest first to save the most money\u003cbr\u003e\n📅 Payment Schedule — Auto-generated 24-month month-by-month payoff timeline\u003cbr\u003e\n📝 Payment Log — 100-row per-debt payment history with running balances\u003cbr\u003e\n📈 Progress Charts — Debt-free milestones \u0026amp; 12-month trend graphs\u003cbr\u003e\n📒 Notes \u0026amp; Motivation — Goals, reflection prompts \u0026amp; motivation to stay on track\u003c\/p\u003e\n\u003cp\u003e✦ KEY FEATURES:\u003cbr\u003e\n• BOTH Snowball \u0026amp; Avalanche methods — compare side by side\u003cbr\u003e\n• Debt-free date forecast\u003cbr\u003e\n• Total interest paid \u0026amp; interest saved calculations\u003cbr\u003e\n• Credit utilization tracking per card\u003cbr\u003e\n• Per-debt payment logging (not just one lump sum!)\u003cbr\u003e\n• 24-month payment schedule with principal\/interest split\u003cbr\u003e\n• Debt-free milestone tracker (25%, 50%, 75%, 100%)\u003cbr\u003e\n• 316 auto-calculating formulas — zero manual math\u003cbr\u003e\n• Premium Blush Pink theme with rose gold accents\u003cbr\u003e\n• Works on desktop, tablet \u0026amp; mobile\u003c\/p\u003e\n\u003cp\u003e✦ CHARTS \u0026amp; VISUALS:\u003cbr\u003e\n• Bar Chart — Snowball vs Avalanche total interest\u003cbr\u003e\n• Pie Chart — Debt by type\u003cbr\u003e\n• Bar Chart — Paid off vs remaining\u003cbr\u003e\n• Bar Chart — Debt balances in payoff order (both methods)\u003cbr\u003e\n• Line Chart — Debt balance over time (24 months)\u003cbr\u003e\n• Line Chart — Total debt vs total paid (12-month trend)\u003c\/p\u003e\n\u003cp\u003e✦ BONUS INCLUDED:\u003cbr\u003e\nYour 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.\u003c\/p\u003e\n\u003cp\u003e✦ HOW TO USE:\u003cbr\u003e\n1. Purchase and download the PDF with your Google Sheets link\u003cbr\u003e\n2. Click the link and go to File → Make a Copy\u003cbr\u003e\n3. Enter your debts in the 💳 Debt Tracker tab\u003cbr\u003e\n4. Set your monthly payment budget in ⚖️ Method Compare\u003cbr\u003e\n5. Pick Snowball or Avalanche, follow the order \u0026amp; watch your debt disappear!\u003c\/p\u003e\n\u003cp\u003e✦ WHAT YOU GET:\u003cbr\u003e\n• 1x Debt Snowball \u0026amp; Avalanche Tracker (Google Sheets — blank)\u003cbr\u003e\n• 1x BONUS Sample Data Template (Google Sheets — pre-filled)\u003cbr\u003e\n• Step-by-step instructions included\u003c\/p\u003e\n\u003cp\u003e✦ REQUIREMENTS:\u003cbr\u003e\n• Free Google account (works with Google Sheets)\u003cbr\u003e\n• NOT compatible with Excel (Google Sheets only)\u003cbr\u003e\n• Works on any device with internet access\u003c\/p\u003e\n\u003cp\u003e✦ DEBT SNOWBALL vs AVALANCHE — WHICH IS RIGHT FOR YOU?\u003cbr\u003e\n• SNOWBALL: Pay your smallest balance first. You'll knock out debts quickly and build momentum — great if you need motivating wins.\u003cbr\u003e\n• AVALANCHE: Pay your highest interest rate first. You'll pay less interest overall — the mathematically optimal path.\u003cbr\u003e\nThis template lets you compare both and pick what keeps YOU consistent. Consistency beats math!\u003c\/p\u003e\n\u003cp\u003e✦ WHY EASYVAULT?\u003cbr\u003e\nWhile 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 .\u003c\/p\u003e\n\u003cp\u003e⚖️ DISCLAIMER:\u003cbr\u003e\nThis product is for informational purposes only. EasyVault does not provide financial, tax, or legal advice. Please consult a licensed professional for personalized guidance.\u003c\/p\u003e\n\u003cp\u003e© EasyVault. All rights reserved. Personal use only.\u003cbr\u003e\nThank you for your purchase! We'd love a ⭐⭐⭐⭐⭐ review!\u003c\/p\u003e","brand":"EasyVault","offers":[{"title":"Default Title","offer_id":49844829323492,"sku":"EV-FIN-3.4","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0837\/7516\/0548\/files\/il_fullxfull.8429233432_dvl3.jpg?v=1789202984","url":"https:\/\/easyvault.store\/products\/debt-snowball-avalanche-tracker-google-94958","provider":"EasyVault","version":"1.0","type":"link"}