Debt Payoff Tracker — Snowball & Avalanche Spreadsheet (Excel + Google Sheets)

The hardest part of paying off debt isn't math — it's staying motivated in month four. This tracker handles both.Enter up to 15 debts once, pick Snowball or Avalanche (switch anytime with one dropdown — the attack order reorders itself), log payments, and watch the Progress wall fill up: % debt-free, debts-killed counter, and 5 self-checking milestones.5 tabs: Start Here guide · Debts · Strategy (your exact target this month) · Payment Log · Progress. Works in Excel and Google Sheets (FileImport). Sample data included.Instant download. Planning tool, not financial advice.

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