List your debts, pick snowball or avalanche, type the extra you can pay each month: the payoff order, the interest per month and the months each debt takes on its minimum alone. Pro runs the whole payoff month by month — the extra rolls from each paid-off debt to the next — with payoff dates and total interest. No macros.
Up to eight debts: balance, APR, minimum. Payoff order for snowball or avalanche (a rank without RANK), interest per month with bars, months to clear on the minimum alone — red when the minimum doesn't cover the interest. Totals, balance-weighted APR, what you pay per month.
120 months, debts in payoff order. Every debt pays its minimum; the extra and each freed minimum flow to the first open debt through a single 'Pool →' column; overflow rolls on within the month. Payoff months green.
Payoff month and date per debt, interest paid per debt with bars, debt-free date, total interest and total paid, months at minimums for comparison.
Extra per month, method, first payment month.
Ten formulas explained: the rank by COUNTIF, the closed-form months at minimum, and the three formulas that make the snowball roll.
Every workbook is recalculated in LibreOffice and by a second, independent formula engine on the sample data; the totals are compared with numbers worked out outside any spreadsheet, and every formula cell is scanned for errors. We don't run Excel itself on the build machine, so this says built for, not tested in — open the live preview to see the numbers the formulas produce.
What that means app by app: in Google Sheets, in Apple Numbers, in LibreOffice Calc.
The home page and its CSS — enough to publish a one-pager. A credit link stays in the footer.
Every page, the Pro-only pages, the source files, no attribution, and 12 months of updates and email support.
Use it for unlimited personal and commercial purposes, including client work.
Do not resell the spreadsheet itself, alone or in a bundle.
Debt payoff calculators are usually a black box: type the debts, get a date. This one shows the whole thing. The Schedule sheet puts the debts in payoff order — smallest balance first for snowball, highest rate first for avalanche — and runs left to right through each month. Every debt pays its minimum; the extra goes to the first one; when it’s paid, its minimum and the extra roll to the next. One “Pool →” column per debt carries that money across, so you can see exactly where each month’s payment went.
Switch the method on Setup and compare: avalanche is never more expensive, snowball clears the first debt sooner. The Summary puts both numbers — months and interest — next to what each debt would take on its minimum alone.
The free Debts sheet gives you the payoff order for either method, the interest each debt
costs per month, and the months to clear each one on its minimum alone — with a red flag
when the minimum doesn’t even cover the interest. That last number is the closed form of an
amortizing loan, −ln(1 − rB/P) / ln(1 + r), written out on the Formulas sheet in Pro.
The order is COUNTIF(balances, "<" & this) + COUNTIF(rows above, this) — a rank that
breaks ties by position and works in every app. The schedule’s lookups are INDEX/MATCH on
that order. Nothing here needs Excel 365.
The build runs the same payoff in Python — same order, same rounding, same pool — and compares thirty-six values in both workbooks with LibreOffice and a second engine: the order under snowball, payments and balances in specific months, the month each debt hits zero, the interest per debt and in total.
First release
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