Debt Payoff & Savings Planner

Two proven payoff strategies, snowball (smallest balance first) and avalanche (highest interest first), modeled side by side so you can see which one gets you out of debt faster and cheaper. Savings goal tracking runs in parallel, so you don't have to choose between paying off debt and building an emergency fund.

What's inside

• Snowball and avalanche payoff calculators with month-by-month amortization
• Interest cost comparison: see exactly how much each strategy saves
• Up to 20 debts tracked simultaneously (credit cards, loans, BNPL)
• Savings goal tracker: emergency fund, down payment, and custom goals
• Google Sheets and Excel versions both included

Instant download. Google Sheets link + Excel file.