See your debt-free date, then get there faster

See your debt-free date, then get there faster. Snowball vs. avalanche, month by month, Excel + Google Sheets.

• Start Here: How it works in 5 minutes, and the two payoff methods explained
• Dashboard: Extra payment, start month and method; debt-free date, total interest and interest saved for snowball, avalanche and minimums only; payoff order; balance chart
• Debts: Up to 15 debts: balance, APR, minimum; months at minimum only; payoff order and payoff month for each method
• Snowball / Avalanche: Full 30-year month-by-month schedules with automatic roll-over of freed-up payments
• Tracker: Log actual payments and statement balances against the plan, with a progress bar
• Chart Data: The series behind the dashboard chart

Works in Microsoft Excel (2010+), Google Sheets and LibreOffice. No macros or add-ons. Every file ships as an example copy (filled with made-up data) and a blank copy, plus a 2-page Quick Start PDF. Every formula is recalculated and checked against an independent calculation before release.

Why this one?

• Why not a free online calculator? Calculators give one number; Debtfell keeps your real debts, compares both methods, shows the order and month each debt dies, and tracks actual payments.
• Why not a $17 calculator? Debtfell has snowball + avalanche + minimums-only side by side, 15 debts and a tracker for $9.

See every tab and real screenshots: cybermax.cybermax-tools.workers.dev/store/debtfell

Save with a bundle: Home Money Bundle: Centwren, Debtfell and Streakwren ($25 instead of $36) · CyberMax Spreadsheet & Printables Bundle: all 6 downloads ($45 instead of $68).

Licence: Personal licence: your own household, any of your devices. No reselling or sharing. Planning tool, not financial advice. One-time purchase, instant download (zip). Questions: cybermax.tools@gmail.com. © 2026 CyberMax.