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Debt Snowball Planner (Repayment Plan)

$ 9,99

(1 customer review)

Paying off debt is no easy task, especially if you just pay the minimum amount due each month.
Therefore, plan your repayments with our spreadsheet. Calculate using one of the 2 methods to get rid of your debts as quickly as possible.

-> Snowball repayment plan – Lowest Balance First

-> Avalanche repayment plan – Highest Interest First

Compare both types and pick one that fits you best, and just …accelerate your repayment and save up to 25%!!

Compatible: Excel 2013, 2016, 2019, 365, Google Sheets

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Debt Snowball Planner

The debt snowball method involves paying off the smallest debts first, so you’ll creating a “snowball”. Each next debt gets repaid in a shorter time.

This sheet will show you how to manage your debt. You will check how quickly you are able to pay off the debt and plan a future without any debts.

debt avalanche

Snowball or Avalanche? 

First of all, where do such names come from? Like a snowball or an avalanche, the more time passes, the more snow there is. The same goes for repayment funds. In each method, we pay off the minimum amount and allocate the budget surplus to the selected debt.

In the case of Snowball, it will be the debt that is the smallest balance. This way, the snowball will “grow” quickly. While the avalanche method guides pay off the bill with the highest interest rate.

After adding debts to the sheet, you can see which method will suit you better. Of course, both methods are about reducing interest payments (less interest = more savings).

Save up to 25%!!


Let’s say you have 3 debts:

  • Debt 1: Balance $10 000, Interest Rate 15%, Min. Payment: $250
  • Debt 2: Balance $8 000, Interest Rate 10%, Min. Payment: $30
  • Debt 3: Balance $5 000, Interest Rate 20%, Min. Payment: $150

Your monthly budget is $1300.


Debt Snowball Solution

Your repayment plan would be:

  1. Debt 3 in 6 months
  2. Debt 2 in 1 year, 2 months
  3. Debt 1 in 1 year 8 months

The total cost is $25,840

Debt Avalanche Solution

Your repayment plan would be:

  1. Debt 3 in 6 months
  2. Debt 2 in 1 year, 1 month
  3. Debt 1 in 1 year 8 months

The total cost is $25,569

The difference is s only $271 in this example, but what would it look like without using both methods? Research shows that the budget without allocating savings would take 6 years and cost $ 34,501, which is about $ 8,900 more (25%)


Need Snowball Savings Planner? Just check this spreadsheet


  • Excel Spreadsheet
  • Link to the Google Sheets Spreadsheet
  • Discount code


Excel 2010, 2013, 2016, 2019, 365, Google Sheets

1 review for Debt Snowball Planner (Repayment Plan)

  1. Matt.Ohara

    Avalanche repayment method is great. Good communication with seller

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