Excel · SheetsSnowball and avalanche order, months and interest at minimum, focus debt and its payoff time, and a monthly balance log.
What's included:
- Debts: monthly interest, months and interest at minimum (NPER)
- Snowball and avalanche order side by side
- Focus debt and this month's payment with your extra
- Flags minimums that never clear the balance
- Monthly balance log with % paid off
- Excel, Google Sheets and LibreOffice
Preview: what's inside
Settings Settings
| Setting | Value |
|---|---|
| Extra payment per month (on top of minimums) | 150.00 |
| Method (Snowball or Avalanche) | Snowball |
| Plan start month | 2026-12-01 |
Summary Plan
- Total debt
- Total minimum payments
- Total monthly payment with extra
- Balance-weighted APR
- Interest per month right now
- Interest if you only paid minimums (estimate)
- Debts that never clear at minimum
- Focus debt this month
Sheet Debts — Every debt you owe.
| Debt | Type | Balance | APR | Minimum payment | Monthly interest now | Months at minimum | Interest at minimum | Snowball order | Avalanche order | Your order | Pay this month |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Store card | Store card | 640.00 | 26.99% | 35.00 | auto | auto | auto | auto | auto | auto | auto |
| Visa | Credit card | 6,400.00 | 22.9% | 160.00 | auto | auto | auto | auto | auto | auto | auto |
| Car loan | Car loan | 9,800.00 | 6.9% | 245.00 | auto | auto | auto | auto | auto | auto | auto |
Sheet Monthly log — One row per month: each debt's balance from the statement.
| Month | Debt | Balance now | Starting balance | Paid off so far | % paid off | Note |
|---|---|---|---|---|---|---|
| 2026-12-01 | Store card | 455.00 | auto | auto | auto | |
| 2026-12-01 | Visa | 6,362.00 | auto | auto | auto |
Preview generated from the actual file: sample rows are example data you replace with your own; formulas fill the calculated columns.
Good to know
- Instant digital download. Nothing physical is shipped.
- Licensed for personal and single-business use.
- 30-day fix-or-refund if a file doesn't work as described (terms).
- Support: eclipsekingdom.support@gmail.com