Best debt payoff spreadsheet for the snowball and avalanche methods
Which debt payoff spreadsheet should I use?
A good one shows your debt-free date and total interest under both snowball and avalanche on your real debts. Vertex42's free calculator covers up to 10 creditors; Debtfell ($9 once) puts both methods side by side with a monthly tracker in Excel and Google Sheets, and Gumroad trackers cost $8.99 to $9.99.
Debtfell Debt Payoff Planner: See your debt-free date, then get there faster
from $9Snowball and avalanche on your real debts, side by side
Secure checkout · 14-day fix-or-refund if it doesn't work as described (terms)How we compared
- Snowball and avalanche support
- Free tier or preview
- Price on each seller's page
Debt payoff tools side by side
| What buyers compare | Debtfell Debt Payoff Planner (CyberMax) | Vertex42 | HBA Sheets | Serenatas Store |
|---|---|---|---|---|
| Price | $9 once | basic free (10 creditors); Extended $9.95; Pro $39.95 | $8.99 | $9.99 |
| Snowball and avalanche side by side | Yes | Yes | See its page | 4 strategies |
| Free version | Free preview | Free up to 10 creditors | No | No |
Sources: Debtfell Debt Payoff Planner (our live page) · Vertex42 (checked 2026-11-11) · HBA Sheets (checked 2026-11-11) · Serenatas Store (checked 2026-11-11).
The options and their published prices
| Option | Published price | Notes | Source |
|---|---|---|---|
| Debtfell Debt Payoff Planner (CyberMax) | from $9 | Snowball and avalanche on your real debts, side by side; Debt-free date and total interest for each method; A monthly tracker you update | Our page |
| Vertex42 Debt Reduction Calculator | basic free (10 creditors); Extended $9.95; Pro $39.95 | Pick it if the free version's 10 creditors is enough for you | Their page |
| Debt Payoff Tracker Spreadsheet (HBA Sheets, Gumroad) | $8.99 | Pick it if you prefer that tracker's layout | Their page |
| Debt Payoff Tracker, 4 strategies (Serenatas Store, Gumroad) | $9.99 | Pick it if you want to compare four strategies | Their page |
Rival prices as shown on each seller's own page (Apify Actors: Apify's public pricing API), checked 2026-11-11. Prices change; check the seller's page before buying. Options whose price we could not confirm on that day are left out.
Where the other debt tools are better
- Vertex42 Debt Reduction Calculator: A long-trusted calculator with a free version.
- Debt Payoff Tracker Spreadsheet (HBA Sheets, Gumroad): A different layout at a similar price.
- Debt Payoff Tracker, 4 strategies (Serenatas Store, Gumroad): Compares four payoff strategies.
Which one should you pick?
Choose Debtfell Debt Payoff Planner if
- you want both methods compared on your own numbers
- you want a tracker, not only a calculator
- you use Excel or Google Sheets
Choose Vertex42 if
- the free version's 10 creditors is enough for you
Choose HBA Sheets if
- you prefer that tracker's layout
Choose Serenatas Store if
- you want to compare four strategies
What Debtfell Debt Payoff Planner includes
- Snowball and avalanche on your real debts, side by side
- Debt-free date and total interest for each method
- A monthly tracker you update
- Excel and Google Sheets
- $9 once; free printable preview
Debt payoff questions
Which debt payoff spreadsheet should I use?
A good one shows your debt-free date and total interest under both snowball and avalanche on your real debts. Vertex42's free calculator covers up to 10 creditors; Debtfell ($9 once) puts both methods side by side with a monthly tracker in Excel and Google Sheets, and Gumroad trackers cost $8.99 to $9.99.
What is the debt snowball method?
Pay minimums on everything and put every extra dollar on the smallest balance first; each paid-off debt frees money for the next.
What is the debt avalanche method?
Put extra money on the highest interest rate first; it usually saves the most interest.
Which is better, snowball or avalanche?
Avalanche saves more interest; snowball gives quicker wins. The spreadsheet shows both on your numbers.
Does it work in Google Sheets and Excel?
Yes, it comes as a file for Excel and a copy for Google Sheets.
Debtfell Debt Payoff Planner: See your debt-free date, then get there faster
from $9See your debt-free date, then get there faster
Secure checkout · 14-day fix-or-refund if it doesn't work as described (terms)Free how-tos
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