Money & budgeting · Excel · 6 tabs

Debt payoff planner

See when you'll be debt-free, the interest you'll pay and which debt to clear first: avalanche, snowball or minimums.

£7once · download straight away

Works in Excel or Google SheetsNo subscription

Close-up of the Plan tab, from the free example file for the Debt payoff planner

Item	Avalanche	Minimums
Debt-free	Jul 2028	Apr 2032
Interest	£1,463.51	£4,505.77
Saved	£3,042.26

Example data. The free example file shows the full layout.

Inside the free example file

Rendered from the example file in Excel, at the size it opens on screen. The rows are sample data, and the file is marked as an example.

Plan, from the free example file for the Debt payoff planner — Plan

Debts, from the free example file for the Debt payoff planner — Debts

Download the free example file

What it does

See when you'll be debt-free, the interest you'll pay and which debt to clear first: avalanche, snowball or minimums.

Best for: Anyone with cards, loans, overdrafts or buy now pay later.

What’s included

Excel · 6 tabs

Debt-free date, months and total interest for each method
The order to pay extra, and when each debt clears
Month-by-month schedule for up to 8 debts

How it works

Type each debt's balance, interest rate and minimum payment.
Type the total you can pay each month.
Pay minimums on all, and the extra on the top debt.
Update the balances every few months.

What it doesn’t do

Not debt advice. If you're struggling, StepChange and MoneyHelper give free advice.

Packs help you organise and prepare. They are not legal or tax advice and can’t guarantee you meet every rule.

Price and delivery

£7once

Download links straight after payment, by Stripe
Links work 3 times within 14 days; the file is stamped with your email and order number
Lost the links? Ask for them again

Also in a bundle

Money complete · 6 packs for £19 (£38 separately)Buy £19

Buy £7

Questions

Can I see it before I buy?

Yes. Download the free example file: it shows the layout with sample data, as a locked preview. The paid file is yours to fill in.

What do I get, and how?

The file downloads straight away after payment. Your links work 3 times within 14 days, and the file is stamped with your email and order number. Lost the links? Ask for them again.

Does it work in Google Sheets?

Yes. Every pack works in Excel or Google Sheets, and the Word files open in Word or Google Docs. There are no macros.

Is it a subscription?

No. One payment, and the file is yours to keep using.

Can I get a refund?

As these are digital files, change-of-mind refunds are not available once they are issued, so please look at the free example first. If a file is faulty or not as described, your legal rights are not affected. Refund terms.