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Debt Snowball & Avalanche Planner

List your debts once, add extra payment power, and compare Snowball (smallest first) vs Avalanche (highest APR first) with a month-by-month checklist.

For anyone ready to attack credit cards, personal loans, or medical debt with a clear order of battle.

• Ranks debts for both payoff methods
• Extra monthly payment calculator
• Rough months-to-debt-free estimate
• 12+ month payoff checklist
• Google Sheets & Excel friendly

Opens in Google Sheets (File → Import) and Microsoft Excel. No macros. Formulas use widely supported functions.