Debt Snowball & Avalanche Planner
Enter your debts once and compare the snowball, avalanche and minimum-payments-only plans side by side: your debt-free date, the interest each plan costs, and which debt to pay next.
Made for
- Anyone paying off credit cards, loans or overdrafts
- Couples making a shared plan to be debt-free
- People deciding between the snowball and avalanche methods
A tour of the tabs
All versions
All versions
All versions
All versions
Pro and up
Good to know
How delivery works
- Pay on the secure checkout page.
- We email your order confirmation with your download links, and show them on screen too.
- Open the .xlsx in Excel, or in Google Sheets via File › Import › Upload. Your name and order number are on the cover tab.
Links work for 7 days and up to 5 downloads each. Lost one? Get new links.
How many debts can I add?
Up to 25 in Basic and 40 in Pro.
Which currency does it use?
Any. Set your currency symbol on the Settings tab.
Does it work in Google Sheets?
Yes. It is an Excel (.xlsx) file with no macros. In Google Sheets, choose File › Import › Upload and pick the file. Your name and order number stay in the file.
Can I share it with my accountant?
Yes, you can give your completed workbook to your own accountant, bookkeeper or tax adviser. You can't share or resell the file itself. See the licence.
What if something is wrong with the file?
Email us with your order number and we'll fix or replace it; if we can't, you'll get a partial or full refund. See our Refund Policy.
Licence Personal use; no resale or sharing
Licence: personal use only. You may use and edit your file for your own personal records or your own business (including sharing your filled-in copy with your own accountant or bookkeeper). You may not resell, share, give away, redistribute or upload it, blank or edited. Each copy is stamped with its buyer's name and order number. Full licence terms.
Important: please read Not advice
The Money Sheets products are spreadsheet templates to help you organise your own records. They are not tax, legal, accounting or financial advice, and they are not a substitute for a qualified adviser. Figures such as tax estimates, mileage rates and allowances are based on our understanding of the rules for the tax year shown and may not suit your circumstances. Check them, and get professional advice if you're unsure.
Debt planner: this is a budgeting tool, not debt advice. For free, impartial debt advice, see MoneyHelper.
We are not affiliated with, approved or endorsed by HMRC, Microsoft or Google. Microsoft Excel is a trade mark of Microsoft Corporation. Google Sheets is a trade mark of Google LLC.
