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Debt payoff (snowball / avalanche) – spreadsheet template (XLSX)

Enter your debts with balance, interest rate and minimum payment, plus what you can pay in total each month. Money above the minimums goes to one debt by the chosen method; once it is paid off, its payment rolls on to the next.

Money & budgetsXLSX · CSV

Open in the FaLe PDF app (opens in a new tab)

Preview and fill in

This is the template with sample values. Tap a cell to change it – the formulas recalculate at once. Then download your version.

The preview needs JavaScript. You can also open the template in the FaLe PDF app.

What is inside

The sheet labels are in German; here is what the template does.

  • Snowball or avalanche
  • Monthly payoff schedule
  • Total interest
  • Debt-free month

Good for

  • Overdrafts, credit cards, loans
  • Comparing methods

Frequently asked questions

Do the formulas work in other programs?

Yes. The file is a normal Excel file (XLSX) with real formulas. Every template is checked in a free spreadsheet program that recalculates the formulas. Drop-down lists and colour rules are stored in the file as well.

Is anything I type stored?

No. Preview, editing and download all happen in your browser. There is no account and nothing is uploaded. Download the file before you close the page.

Why are the labels in German?

The templates were made for everyday use in Germany – things like the mileage log, the club cash report or the profit-and-loss sheet follow German practice. Formulas and numbers work the same in any language version of your spreadsheet program.

Excel is a trademark of its owner. “Excel (XLSX)” only names the file format here; FaleNetwork is not affiliated with the manufacturer.

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