Debt Payoff Planner & Comparison
See what each payoff method really costs you
Most payoff advice stops at 'snowball feels better' or 'avalanche costs less'. This runs the actual arithmetic — 360 months of simulation, per debt, per method — so you can see the numbers instead of arguing about them. Change your extra monthly payment and watch all three methods re-rank themselves.
$19Not yet on sale
What it does
- Three independent 360-month simulations in one file
- Snowball, avalanche and your own custom order
- Total interest and total paid compared side by side
- 24-month standing order schedule you can give your bank
- Flags any debt whose minimum already clears the balance
Tabs in the file
- Plan — Set your extra payment; three results appear side by side.
- Balances — Eight example debts. Replace with your own.
- Compare — The three results, months / interest / paid.
- Schedule tabs — Three 360-month simulations — this is where the answer lives.
- Payment schedule — The chosen plan as a 24-month standing order.
What's included
- The .xlsx file itself
- A 'How to use' tab with a worked explanation of each tab
- Free updates if we change the interest model
Delivery
Instant download link on the order confirmation page, plus a copy by email.
Important — please read
- This is a budgeting worksheet. It is not financial advice and it is not a debt management service.
- The example balances and rates are illustrative. Nothing here is personalised to your situation.
- Minimum payments shown use the common balance × APR ÷ 12 method with a 25 floor. Your lender's actual minimum may differ, including annual fees. Check your statement.
- Interest is compounded monthly and rounded per month, so results are close approximations rather than exact lender figures.
- Talk to a qualified adviser about your own situation before making financial decisions.
Questions, corrections or a mistake in the file? Email paomianll@126.com. We answer within three business days. If the file turns out not to be useful to you, ask for a refund within 14 days. Every calculator on MoneyCalc stays free whether you buy this or not.
← All workbooks