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WEALTH · AUTOMATIC SPREADSHEET

See a path through your debt.

Switch between snowball and avalanche to estimate payments, interest and payoff timing.

Editable Excel workbook · Reusable template · Getting-started guide

Practical tools for your next step.

Make it your own

Enter your information in clearly marked yellow cells.

Let formulas do the work

Calculated totals update when you change the relevant inputs.

Keep a useful record

Save a copy and return to your plan as your circumstances change.

WHAT’S INCLUDED

Know what you’re getting.

Up to five debts
Snowball and avalanche selector
Monthly payment allocation
Estimated interest and payoff date
360-month schedule

Your ZIP download contains a blank automatic Excel workbook and a plain-text getting-started guide. Product images show illustrative example entries.

Open, enter, review.

Unzip the package, open the workbook in Microsoft Excel and save a working copy. Edit the yellow input cells. Keep an untouched template for future use.

Fixed APRs and entered minimum payments. Monthly interest is rounded using APR divided by 12. No new borrowing, fees or rate changes. Lender calculations may differ.

Your questions, answered.

Is this a physical product?

No. This is a downloadable spreadsheet and guide.

Does it calculate automatically?

Yes. Formula checks were performed in the creation engine. Native Excel and Google Sheets application checks are still pending before launch.

What software do I need?

The primary format is Microsoft Excel .xlsx. A compatible spreadsheet app is required and may need its own account or license. Mobile use depends on your app and screen size.

Does it connect to my bank or make payments?

No. You enter your own information. It does not connect to accounts or move money.

Can I reuse it?

Yes, for your personal household. Formula cells are not locked, so keep a backup. Resale, sharing the source workbook and redistribution are not included.

When can I order?

This page is being prepared for launch. Payment setup, application compatibility and download delivery testing are pending. Orders are not open yet.

Debt Avalanche

Debt Detour – Debt Payoff Spreadsheet – Snowball & Avalanche