Debt Payoff Budget Template

Line up every debt, pick snowball or avalanche and see how close you are to being debt-free.

Debt Payoff

Avalanche Plan

Pay highest APR first

Total balance

$36,400.00

Original

$54,600.00

Paid off

$18,200.00

33%

Min /mo

$940.00

Total /mo

$1,140.00

+$200.00 extra

Overall progress33% paid

#1Store cardAttack this next
APR 26.9% · Min $40.00/mo
$900.00
of $1,400.00
36% paid
#2Visa credit card
APR 22.9% · Min $120.00/mo
$3,800.00
of $5,200.00
27% paid
#3Personal loan
APR 11.9% · Min $180.00/mo
$2,100.00
of $6,000.00
65% paid
#4Car loan
APR 6.4% · Min $380.00/mo
$11,400.00
of $18,000.00
37% paid
#5Student loan
APR 5.5% · Min $220.00/mo
$18,200.00
of $24,000.00
24% paid

Who this template is for

1.Choose Avalanche (attack highest APR) or Snowball (smallest balance).
2.Enter each debt with its original amount, current balance, APR and minimum payment.
3.The 'Attack this next' badge points to the top-priority debt.
4.Overall bar shows how much of your original debt is gone.
5.Download PDF or CSV.

Which is better, snowball or avalanche?

Avalanche saves more interest. Snowball wins earlier by knocking out small debts fast — better for motivation. Switch the strategy button to compare.

Is anything saved?

No — everything stays in your browser.

Track income, expenses and savings each month.

Manage food sales, labor, food cost and overhead.

Minimal print-first worksheet — two columns, one balance line.

Planned vs actual household spending by category.