Debt Payoff Planner

• Your debt-free month, two ways: on your plan, and at your real pace from what you have really paid.
• The rollover, done for you: every debt gets its minimum, the extra goes to the first debt in line, and when a debt is paid off its money moves to the next one the same month.
• 0% offers handled: type the date it ends and the plan keeps it at 0% until then. The Dashboard says what will be left when the rate jumps, what that costs, and how much more a month clears it first.
• Compare: minimums only, snowball, avalanche and your order, with the debt-free month, the payments, the total interest and what each saves against paying only the minimums. A what-if box shows what $50 more a month would do.
• Schedule: every month for every debt, what you pay, the interest and what is left. Green marks the month a debt is paid off.
• One-time payments: a tax refund or a work bonus goes into its month.
• This month, pay: the Dashboard spells out what goes to each debt this month, so you can set each autopay to the right amount instead of the minimum due.
• Progress: type what you really paid each month and, now and then, what your statements say you owe. It shows if you are ahead or behind, moves your date, and flags a month you skipped.
• Milestones: each debt in the order it goes, and the month you are a quarter, halfway and three quarters done.
• Check column: flags a missing balance, a blank or unusually high rate, the same debt typed twice, and a minimum too small to cover the interest.

Start Here, Dashboard, Debts, Plan, Schedule, Compare, Progress, Milestones, Countdown, Setup, AI Prompts.

Room for 15 debts, 30 one-time payments and 30 years of months.

Ask an AI inside your spreadsheet (Copilot in Excel, Claude for Excel, Gemini in Google Sheets): it reads the open file, so 20 prompts have it explain the file, check your typing, say which debt to pay next, explain the 0% cliff, find your fastest order, work out how much extra gets you free by a date, build a payment calendar, check the plan against your statements, run a monthly check-in, and improve the file for you: a Due day column, highlights on the expensive months.

Or any AI chat (ChatGPT, Claude or Gemini): 20 prompts already carry your numbers from the sheet, so they work in any AI: set up your autopays, beat each 0% offer before the rate jumps, a one-page summary for a credit counselor, what to do with a raise, what paying only the minimums really costs, debt payments as a share of your pay, three ways to adjust when you are behind, stress-test your plan, answer a collector's settlement offer, where your money goes this month, find the money for the extra $100, write a hardship call script, ask for a lower rate, weigh a balance transfer, plan a tax refund, emergency fund or debt first, talk to your partner about it. And 16 read the attached file: compare a consolidation loan, write a hardship letter, negotiate a medical bill, find extra money in a bank export, student loan options, what paying it off does to your credit, plan for a hard month, life after debt, and more.

The AI tools are not included: each comes with its own plan, and Copilot in Excel needs Microsoft 365.

• Sample data (one made-up household, seven debts) shows how it works, and its dates move with the day you open it. Type over it, or clear it and start fresh.
• The planner keeps paying the minimum you typed, even as a card's own minimum shrinks. That is what gets you out faster, and the guide explains why.
• It charges interest once a month, so your statements will differ by a few dollars. Type your real balance on Progress now and then and it lines back up.
• The formulas are locked so they cannot break. The yellow cells are the ones you type in.
• Google Sheets does not lock the formulas, so in Sheets type only in the yellow cells.
• It never needs a card number, account number or password.
• This planner does arithmetic. It is not financial, tax or legal advice.
• For your own use. Please do not resell or share the files.