Debt Payoff Planner

# Listing — Debt Payoff Planner

**Title (Etsy, 140 max):**
Debt Payoff Spreadsheet | Debt Snowball & Avalanche Tracker | Google Sheets & Excel Debt Free Planner | Printable Debt Tracker PDF

**Price:** $7.99 launch (list at $12.99 with 40% off sale for the first 30 days); raise to $12.99 after 10+ reviews.

**Description:**
Pay off debt faster and see your exact DEBT-FREE DATE in 5 minutes.

Enter up to 10 debts (balance, APR, minimum payment), add any extra amount you can pay each month, and pick Snowball (smallest balance first) or Avalanche (highest interest first). The planner rolls every freed-up payment onto the next debt for you and builds your month-by-month payoff plan.

WHAT'S INCLUDED
• Debt Payoff Planner spreadsheet (.xlsx): works in Microsoft Excel, Google Sheets (File > Import) and Apple Numbers
• Dashboard with your debt-free date, months to freedom, total debt, total interest and a chart of your balance shrinking
• Payoff order showing the month each debt will be gone
• Month-by-month schedule covering up to 10 debts over 30 years
• Switch Snowball/Avalanche with one dropdown to compare
• 3 printable PDF pages (US Letter): Debt List, 100-circle Debt-Free Coloring Tracker, Monthly Payment Log

HOW IT WORKS
1. Download the files after purchase
2. Open the spreadsheet and type into the yellow cells
3. Read your plan on the Dashboard. Print the tracker and color in your progress.

GOOD TO KNOW
• Digital download: nothing will be shipped
• No macros, no subscription, no sign-up
• For personal use. This is a planning tool, not financial advice.

**13 tags (each ≤20 chars):**
debt pay off, debt tracker, debt snowball, debt avalanche, debt free planner, google sheets debt, excel debt tracker, payoff spreadsheet, credit card payoff, debt payoff plan, loan payoff tracker, budget spreadsheet, debt coloring page

**Files to upload:** Debt_Payoff_Planner.xlsx, Debt_Payoff_Printables.pdf
**Images:** mockup_1_dashboard.png, mockup_2_printables.png, mockup_3_features.png