Credit Card Payoff Tracker Spreadsheet, Excel and Google Sheets, Debt Snowball Avalanche Planner, Utilization, Credit Card Debt Payoff

Credit Card Payoff Tracker Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. See exactly what to pay on each credit card every month, when you'll be debt-free and how much interest you save. Perfect for paying off several credit cards. ✨ NOW INCLUDES 4 FILES: Excel + Google Sheets, each in a SAMPLE version (filled with example data so you can see how it works) and a BLANK version (ready for your own numbers). ★ WHAT'S INCLUDED ★ • 13 tabs with a clickable Start Here page • Dashboard: 16 KPI tiles, this month's payment for every card, a method check and 2 charts • Cards: up to 8 cards with balance, limit, APR, minimum, utilization status, interest per month and payoff order • Payoff Plan: a 240-month schedule that rolls freed-up money to the next card (Avalanche, Snowball or your own order) • Strategy Compare: Avalanche vs Snowball vs minimums only, with debt-free dates, total interest and charts • Payment Log (400 rows), Monthly Check-in (24 months) and a Utilization planner • Payoff Calculator: months to pay off a card, payment for a target date, balance transfer check, extra payment what-if ★ PERFECT FOR ★ ✓ Paying off several credit cards ✓ Choosing between the debt snowball and debt avalanche ✓ Lowering your credit utilization ★ COMPATIBILITY ★ • Microsoft Excel (desktop, Mac, web) • Google Sheets (upload to Google Drive and open with Google Sheets) • 4 files included: an Excel version + a Google Sheets edition, each as a Sample and a Blank copy • Not designed for Apple Numbers ★ HOW IT WORKS ★ 1. Download the file right after purchase. 2. Type the total you can pay each month and pick a strategy on Setup. 3. Add each card's balance, limit, APR and minimum payment. 4. Follow the Payoff Plan, log payments and check in once a month. Works in any currency ($, £, €, C$, A$ and more): just change the currency symbol. ★ PLEASE NOTE ★ • This is a digital download. Nothing will be shipped. • Estimates assume no new charges. This is a planning tool, not financial advice. • Because it's a digital file, returns aren't accepted, but if you have any trouble with the file, message me and I'll fix it or help you right away.