Debt Payoff Calculator Modelo Essentials
Compare snowball and avalanche payoff strategies side by side. Enter multiple debts and see projected payoff timelines and total interest for each method.
O Que Está Incluído
- Dashboard with payoff timeline overview showing total debt, projected payoff date, and interest saved
- Debt setup sheet for entering multiple accounts with balances, interest rates, and minimum payments
- Snowball and avalanche comparison showing side-by-side timelines and total interest for each strategy
- Payoff schedule with month-by-month breakdown of payments, principal reduction, and remaining balance
- Color-coded input cells (yellow) and auto-calculated projections (blue) for clear data entry
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with payoff timeline overview showing total debt, projected payoff date, and interest saved
- Debt setup sheet for entering multiple accounts with balances, interest rates, and minimum payments
- Snowball and avalanche comparison showing side-by-side timelines and total interest for each strategy
- Payoff schedule with month-by-month breakdown of payments, principal reduction, and remaining balance
- Acompanhe até 20 dívida contas com nome, saldo, taxa de juros, pagamento mínimo, e credor detalhes
- Painel com 6 KPIs: dívida total, pagamento mensal total, projetado data de quitação total, juros totais, dívidas restante, e maior-taxa conta
- Side-by-side bola de neve vs avalanche comparação mostrando cronograma de quitação e juros totais for cada strategy
- Mês a mês cronograma de quitação com pagamento alocação, principal reduction, juros charged, e saldo restante per conta
- Pagamento extra modelando mostrando como adicional mensal valores accelerate payoff e reduzir juros totais
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de Debt Payoff Calculator
Enter your debts
List each debt with its name, balance, interest rate, and minimum payment on the debt setup sheet.
Choose a strategy
The template compares snowball (smallest balance first) and avalanche (highest rate first) side by side. Review both timelines.
Set extra payments
Enter any additional monthly amount beyond minimums. The calculator shows how extra payments accelerate payoff.
Review the schedule
The payoff schedule displays month-by-month payments, principal reduction, and projected freedom date for each strategy.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
What is the difference between snowball and avalanche?
Snowball pays off the smallest balance first for quicker wins. Avalanche targets the highest interest rate first to minimize total interest paid.
How many debts can I enter?
The template supports multiple debts. Add rows to the debt setup sheet for each account - credit cards, loans, medical bills, or any other debt.
Does it show total interest paid?
Yes. The dashboard shows total interest for both the snowball and avalanche strategies so you can compare the cost of each approach.
Can I add extra payments later?
Yes. Update the extra payment amount at any time and the entire payoff schedule recalculates with the new amount.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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