Debt Snowball Spreadsheet Google Sheets, Debt-Free Dashboard with Avalanche Payoff Calculator, Debt Tracker, Savings Challenge & Payoff Date

💳 See the day you'll be debt-free — and watch it move closer. List your debts once, log payments as you make them, and this dashboard turns them into the thing every payoff journey needs: a date. Snowball or avalanche? You get both, calculated live from your real balances. And the moment you add even £10 of extra payment, it shows you exactly how many months you just knocked off. That's the feeling that keeps you going. 📊 WHAT'S INSIDE (7 tabs) • Dashboard — 8 live KPIs (debt remaining, paid off, % gone, your debt-free date, months sooner & more), 3 gauges & 3 charts • Debts — every debt with APR, minimum, paid, remaining, months left and a live progress bar • Payments — quick dropdown log; every payment updates everything • Strategy — your snowball AND avalanche payoff orders, the extra-payment accelerator, 25/50/75/100% milestone celebrations, and a "my why" to read on hard days • Challenges — a 52-week savings challenge (£1,378!) and no-spend day tracker to feed extra payments • Start Here — set up in minutes ⚙️ HOW IT WORKS 1. Open your link and click "Make a copy" 2. List each debt — balance, APR, minimum payment 3. Log payments as you make them; remaining and months left update instantly 4. Add a little extra on Strategy and watch months fall off your payoff date 5. Celebrate every milestone on the way to zero 🎉 💜 PERFECT FOR • Debt snowball & Dave-Ramsey-style baby-steps fans • Anyone juggling credit cards, loans, car finance or overdrafts • The debt-free-journey community — progress charts worth screenshotting • Couples getting on the same page about money 💻 FORMAT & ACCESS • Made for Google Sheets — works on phone, tablet & desktop • Nothing to install, no software fees — just a free Google account • Delivered as a private "Make a Copy" link — one click and it's yours • Your copy is 100% private and fully editable, forever • All formulas built in — type your numbers, everything updates itself ⚡ INSTANT ACCESS — Your template link is available immediately after purchase. No physical item will be shipped. 📌 Please note: This is a digital product. Due to the instant-access nature of digital files, all sales are final and no refunds are offered. This tracker is a planning tool, not financial advice. If anything looks off, message me and I'll happily help.