Debt Snowball Payoff Template for Excel and Google Sheets

Take control of your debt with the modern and minimalistic Dark Theme Debt Snowball Calculator for Excel and Google Sheets. Built around the proven Snowball method, this version features a sleek dark interface that’s easier on the eyes and perfect for extended use.

This spreadsheet helps you organize and tackle up to 50 debts efficiently—starting with the smallest to build momentum and stay motivated. With automated calculations, real-time updates, and customizable features, it simplifies your debt repayment plan and keeps you on track toward financial freedom.

Ideal for anyone who values both design and practicality, this dark mode template offers a clear, visual overview of your progress and supports a focused, consistent approach to paying off debt.

FEATURES

• Works with Any Currency
• Automatic Calculations
• Customizable Color Scheme
• Clear Payment Schedule
• Detailed Debt Breakdown
• Forecasted Debt-Free Date
• Easy for Beginners
• Start Managing Your Finances in Just 3 Simple Steps

QUICK SETUP

• Learn the 5 Steps to Eliminate Debt
• Based on the Snowball Strategy
• Clean, User-Friendly Dashboard

DYNAMIC DASHBOARD

• Visualize Your Progress at a Glance
• Monitor Monthly Targets for Each Debt
• Track Progress Over the Entire Repayment Period

PAYMENT PLANNER

• See the Order in Which Debts Are Paid Off
• Easily Add or Adjust Extra Payments
• Organized and Simple Layout

PAYMENT TRACKER

• Compare Actual Payments Against Your Targets
• Categorize by Source or Purpose
• Built-In Support for Tax Reporting

The Debt Snowball method is highly effective because it creates positive momentum. By paying off smaller debts first, you experience quick wins that build motivation—making it easier to stay consistent and reduce financial stress over time.

WHAT’S INCLUDED?

• Step-by-step instructions 
• 4 Templates of Spreadsheets
• Sample Google Sheet with Mock Data
• Blank Google Sheet
• Sample Excel with Mock Data
• Blank Excel
• Editable in Google Sheets and Microsoft Excel
• Compatible with MAC, PC, Phones, or Tablets

HOW IT WORKS & REQUIREMENTS

YOU WILL NEED:

• A device to access Google Sheets or Microsoft Excel
• A Google Account (if using Google Sheets)
• Microsoft Excel software (if using Excel)
• Basic computer skills

HOW IT WORKS:

• Purchase and download instantly.
• Open the PDF file to access the Google Sheet link.
• Download the Excel template.
• Open the spreadsheet and start planning!

IMPORTANT TO KNOW:

• This is a digital download; no physical items will be shipped.
• Due to the nature of digital products, all sales are final, and refunds are not available.

COLOR DISCLAIMER:

Please note that colors in the spreadsheet may vary slightly due to screen display differences on your device. This can include variations in color on phones, tablets, and computers.

Note: For the best experience, we recommend using a desktop or laptop for full editing capabilities.