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Debt Payoff & Savings Planner
Compare Avalanche, Snowball and minimums-only debt repayment month by month, and plan up to six savings goals. Includes blank and sample Excel workbooks.
$12.99
One-time payment. Digital download.
The problem this solves
Helps users compare debt repayment approaches and organise savings targets instead of tracking everything separately.
About this product
# Take Control of Debt and Build Your Savings
Make a clearer plan for paying down debt and reaching your savings goals with this practical Excel planner.
Compare Three Debt Repayment Strategies
Enter up to 8 debts and compare three repayment approaches:
- Debt Avalanche: Prioritise debts with higher interest rates.
- Debt Snowball: Prioritise smaller balances.
- Minimums Only: See how repayment could look without additional payments.
Each strategy simulates up to 120 months and estimates your repayment duration, total interest, total amount paid and projected debt-free month. You can also compare potential interest savings against the minimums-only approach.
Plan Up to Six Savings Goals
Set savings targets and use the planner to:
- Record your target amounts and dates.
- Track savings milestones.
- Estimate how many months it could take to reach each goal.
- Calculate the monthly contribution needed to reach a target date.
- Record actual savings progress and view it in a chart.
What You Receive
- Blank Excel debt payoff and savings planner.
- Sample Excel workbook with example data.
- Start Here PDF.
- README instructions.
- Licence and file manifest.
Who Is It For?
This planner is suitable for people who want to organise multiple debts, compare repayment strategies, monitor savings goals and make more informed personal budgeting decisions.
Compatibility
Requires Microsoft Excel 2010 or later, or LibreOffice Calc 7 or later.
The workbooks have been verified in LibreOffice. They have not been tested in Microsoft Excel or Google Sheets. Very old computers may take longer to recalculate the workbook.
Important Notes
This planner provides estimates, not guarantees or financial advice. Calculations use a fixed-rate, fixed-payment monthly model. Variable interest rates, lender fees and other lender-specific calculation rules are not modelled. Actual repayment results may differ from the projections.
Digital download: No physical product will be shipped.
See it in action
What you get
- Compare three repayment strategies
- Estimate interest and repayment duration
- Plan six savings goals
- Track milestones and progress. |
What's included
- Debt_Payoff_Savings_Planner_BLANK_Start_Here.xlsx
- Debt_Payoff_Savings_Planner_SAMPLE_Example_Data.xlsx
- START_HERE.pdf
- README.txt
- LICENSE.txt
- MANIFEST.txt
Details and compatibility
Excel 2010+ or LibreOffice Calc 7+.
- Version
- 2.0.0
- File format
- XLSX, PDF, TXT
- Paid workbook
- 1 blank workbook and 1 sample workbook
- Debt capacity
- Up to 8 debts
- Repayment strategies
- Avalanche, Snowball, Minimums Only
- Simulation period
- Up to 120 months per strategy
- Savings goals
- Up to 6 goals
- Savings tracking
- Milestones, monthly contribution estimates and progress chart
- Software requirements
- Microsoft Excel 2010+ or LibreOffice Calc 7+
- Tested software
- LibreOffice Calc
- Delivery
- Digital ZIP download
- Physical delivery
- None
How to get started
- Download and extract the ZIP file.
- Open the BLANK Excel workbook.
- Read the Start Here instructions.
- Enter your debt balances, interest rates and payments.
- Review the repayment strategy comparisons.
- Enter your savings goals and target dates.
- Update your savings progress as you go.
- Use the SAMPLE workbook to understand how the planner works before entering your own information.
Price and how to buy
$12.99
One-time payment. Digital download.
How delivery and access work
Download the ZIP file after purchase and extract it to access your Excel workbooks and instructions.
Who it is for
Individuals organising personal debt repayment and savings goals.
Intended use
Personal financial organisation and planning.
Questions and answers
What is included in the full version?
The full version includes a blank Excel debt payoff and savings planner, a sample workbook with example data, a Start Here PDF, README instructions, licence and file manifest.
How many debts can I track?
You can enter up to 8 debts in the planner.
What repayment strategies can I compare?
You can compare Debt Avalanche, Debt Snowball and Minimums Only. Each strategy simulates repayment for up to 120 months.
What is the difference between Avalanche and Snowball?
Avalanche prioritises debts with higher interest rates, while Snowball prioritises smaller outstanding balances. The planner helps you compare their estimated repayment outcomes.
Can the planner show how much interest I could save?
Yes. It estimates the interest paid under each strategy and lets you compare the results against the minimums-only approach.
How many savings goals can I create?
The full version supports up to 6 savings goals. You can set target amounts and dates, monitor milestones and track actual savings progress.
Does it calculate how much I need to save every month?
Yes. Enter your savings target and target date to estimate the monthly contribution needed.
What software do I need?
You need Microsoft Excel 2010 or later, or LibreOffice Calc 7 or later. The workbook has been verified in LibreOffice. Microsoft Excel and Google Sheets have not been tested.
Is this a physical product?
No. This is a digital download. You receive ZIP files containing the workbooks and instructions.
Are the repayment results guaranteed to match my lender?
No. Results are estimates based on fixed interest rates and fixed monthly payments. Lender fees, variable rates and lender-specific calculation rules are not modelled. Actual results may differ
Is the planner financial advice?
No. It is a personal organisation and estimation tool, not financial, legal or professional debt advice.
Is there a free version?
Yes. The free edition includes a savings calculator for one goal, savings milestones and a debt overview tracker for up to 8 debts. The full version includes the three repayment simulations and expanded savings planning.
Licence and policies
Licence
Personal use only. Refer to the LICENSE.txt file included in the download for the complete licence terms. Redistribution, resale or commercial redistribution of the original files is not permitted unless expressly authorised by the licence.
Important: The archive's actual LICENSE.txt is the authority for licence terms. Check it before publishing this wording.
Limitations
Calculations are estimates, not guarantees or financial advice. The model assumes fixed interest rates and fixed monthly payments. Variable interest rates, lender fees and lender-specific calculation rules are not modelled. Actual repayment and savings outcomes may differ. Compatibility has been verified in LibreOffice, but not tested in Microsoft Excel or Google Sheets.
See also Privacy.
Need help?
Questions, ideas or feedback? We reply as soon as we can.
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Debt Payoff & Savings Planner
Compare Avalanche, Snowball and minimums-only debt repayment month by month, and plan up to six savings goals. Includes blank and sample Excel workbooks.
Debt Payoff & Savings Planner