{"product_id":"debt-payoff-tracker-spreadsheet-debt-36579","title":"Debt Payoff Tracker Spreadsheet, Debt Snowball and Avalanche Calculator, Debt Free Planner with Payoff Date, Google Sheets \u0026 Excel","description":"\u003cp\u003eSee your debt-free date in black and white. A calm, kind, step-by-step plan that does the maths for you, so you can focus on one payment at a time. ♡\u003c\/p\u003e\n\u003cp\u003e★ WHAT'S INCLUDED\u003cbr\u003e\n• Debt Payoff Tracker (.xlsx) with 6 tabs: Instructions, My Debts, Dashboard, Payoff Plan, Payments Log, Progress\u003cbr\u003e\n• How-To-Use guide (PDF) for Google Sheets, Excel and your phone\u003c\/p\u003e\n\u003cp\u003e★ DETAILS\u003cbr\u003e\n• Up to 10 debts: credit cards, store cards, loans, car finance, overdrafts, catalogue accounts\u003cbr\u003e\n• Choose the snowball (smallest balance first) or avalanche (highest APR first) method and your order updates automatically\u003cbr\u003e\n• Add an extra monthly payment and instantly see how much sooner you'll be debt free\u003cbr\u003e\n• Month-by-month payoff plan for up to 10 years with interest, payments and freed-up minimums rolling over\u003cbr\u003e\n• Payoff date and interest for each debt, total interest and your debt-free date\u003cbr\u003e\n• Payments log and progress tracker with progress bars and encouraging status messages\u003cbr\u003e\n• Dashboard with a balance-over-time chart and a balance-by-debt chart\u003cbr\u003e\n• Calm, neutral design. No judgement, just a clear plan\u003c\/p\u003e\n\u003cp\u003e★ PERFECT FOR\u003cbr\u003e\n• Anyone starting their debt-free journey\u003cbr\u003e\n• Couples planning their money together\u003cbr\u003e\n• Paying off credit cards, loans and overdrafts\u003cbr\u003e\n• New Year money goals and fresh starts\u003c\/p\u003e\n\u003cp\u003e★ HOW IT WORKS\u003cbr\u003e\n1. Purchase and download the file from your Etsy Purchases page.\u003cbr\u003e\n2. Upload it to Google Drive and open with Google Sheets (or open in Excel \/ Numbers).\u003cbr\u003e\n3. Add your debts, pick your method and see your debt-free date. Log payments as you go.\u003c\/p\u003e\n\u003cp\u003e★ PLEASE NOTE\u003cbr\u003e\n• This tracker is for planning only and is not financial advice. Interest is an estimate, so real statements may differ slightly.\u003cbr\u003e\n• This is a DIGITAL DOWNLOAD. No physical item will be sent.\u003cbr\u003e\n• For personal use only. Please don't share, resell or redistribute the file.\u003cbr\u003e\n• Works in Google Sheets (free), Microsoft Excel and Apple Numbers. A free Google account is all you need.\u003cbr\u003e\n• Colours may vary slightly between screens and devices.\u003cbr\u003e\n• Due to the nature of digital products there are no returns or refunds, but if anything isn't right please message me and I'll happily help.\u003c\/p\u003e\n\u003cp\u003eThank you for supporting a small UK business ♡ Hello Beautiful Designs\u003c\/p\u003e\n\u003cp\u003eThis spreadsheet was designed by me with the help of AI tools, and the mock-up images were also created with AI.\u003c\/p\u003e","brand":"HBDesignsandStickers","offers":[{"title":"Default Title","offer_id":57639857586551,"sku":"C040","price":4.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0558\/9532\/6801\/files\/il_fullxfull.8743074621_d79s.jpg?v=1792920857","url":"https:\/\/www.hellobeautifuldesigns.co.uk\/products\/debt-payoff-tracker-spreadsheet-debt-36579","provider":"HBDesignsandStickers","version":"1.0","type":"link"}