This Debt Calculator Excel Spreadsheet will help you to take control of your debt so you can be debt free. See your progress. Stay motivated.
If you're feeling overwhelmed by multiple credit cards, loans, or bills - you’re not alone. The Debt Calculator Excel Spreadsheet is designed to help you organize your debts, choose the best repayment strategy, and pay off your balances faster.
This easy-to-use tool gives you a clear, step-by-step debt payment plan to become debt-free - without the stress of doing the math yourself - so you can just focus on paying your debt down.
With this Debt Spreadsheet, you'll gain:
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Clarity – See all your debts in one place: balances, interest rates, monthly payments, and due dates.
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Direction – Choose Dave Ramsey's snowball method (smallest debt first), his avalanche method (highest interest first), or a custom order - whichever motivates you more.
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Motivation – Watch your progress unfold with automated payoff charts and timelines.
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Savings – Instantly see how much interest you’ll save by following your plan.

There's space for 20 debts and up to a 30 year payment plan.
It's EASY to use and fully automated with a chart!
It'll calculate the debt free date and total interest automatically so you can customize the option that works for you!
There is also an extensive instructions manual containing how to use this debt payoff calculator as well as additional tips on how to pay down your debt, save and make more money.
Here's an instructional video on a variation of the Debt Calculator to give you an inside look at the spreadsheet:

Features:
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Digital: This is an Excel file. No physical product will be sent.
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Microsoft Excel: This product has been designed for use in Microsoft Excel. The formatting might appear differently depending on the Microsoft Excel version you use. Here's the Google Sheets version of this Debt Calculator if you want to use it in Google Sheets.
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Editable: Certain cells are editable. I've locked some cells to prevent accidental changes to formulas and graphs. See the instructions for more details.
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20 Debts: This file lets you input up to 20 debts. If you prefer up to 30 debts, you can use this version.
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One-time download - Yours to use again and again
Other Important information:
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How to Download: Once payment is complete, the digital file(s) will be available for download and an email will be sent to you. If there are any issues, here's an article about how to download digital items.
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Support: If you need help with this product or have inquiries, contact us. We will respond as quickly as we can.
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Access: This one-time fee provides you with lifetime access to this product. There are no recurring fees.
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Final Sale: All sales are final. Due to the type of product, these digital products are non-refundable.
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Copyright: Products are copyrighted. These products are meant for personal and not commercial use. Please do not copy, share, redistribute or resell these spreadsheets.
We take pride in creating simple, but comprehensive products at an affordable price. If you need something custom made, feel free to reach out. We are always trying to improve our products so any recommendations or thoughts are greatly appreciated.
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Jacqueline
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