Debt Payoff Spreadsheet Tracker | Google Sheets Template

✨ A Simple Debt Snowball Plan—Without the Overwhelm ✨ Paying off debt doesn’t have to mean complicated spreadsheets or hours of setup. This Debt Snowball Calculator Spreadsheet is a Google Sheet template designed for busy moms and beginners who want a clear, realistic plan—without needing to be “good at budgeting.” If you can fill in a few boxes, the rest is done for you. ✖ Pleas note this is not Excel or Numbers compatible Why This Debt Snowball Spreadsheet Is Different ✔ Beginner-friendly — no formulas, no guessing ✔ Set up in about 5 minutes ✔ Flexible for real life — adjust payments anytime ✔ Clear payoff timeline so you know when this ends This planner helps you focus on progress, not perfection. How It Works 1. Enter your debts (balance, interest rate, minimum payment) 2. Add optional extra payment amount (change at any time!) 3. The spreadsheet automatically builds your debt snowball plan. You’ll instantly see: - Your estimated debt-free date - How much interest you’ll pay - How small changes affect your payoff timeline Made for Busy Moms & Real Life - Increase extra payments in good months - Reduce them when things get tight - Update your numbers anytime—no restarting required - Most people adjust their plan a few times per year. That’s normal. What’s Included ✔ Debt Snowball Calculator Spreadsheet ✔ “Start Here” beginner guide tab ✔ Automatic calculations & clear summary ✔ Works in Google Sheets ✔ Printable for quick check-ins What This Is / Isn’t ✔ Simple, calm, and flexible ✔ Designed for beginners ✖ Not a complicated finance system ✖ Not strict or guilt-based ✖ Not Excel or Numbers compatible Perfect For You If… - You’re overwhelmed by debt and want clarity - You’ve tried budgeting tools that felt confusing - You want a plan that works even when life gets busy Important Notes - This is a digital download (no physical product) - You’ll need a free Google account to use Google Sheets - For personal use only - This tool does not offer financial advice. My Sports Budget is not a financial professional. This template is for organizing and tracking only. You don’t need to be perfect to make progress. You just need a plan you’ll actually use.