Planly Debt Melt
Debt Snowball Calculator · Google Sheets template
See your debt-free date, and move it closer. A Google Sheets debt snowball calculator for up to 15 debts that builds your payoff plan month by month and shows exactly when you'll be debt-free.
Take a tour of the sheet
Everything you need
Snowball method
Pay debts in your chosen order, and your extra payment rolls to the next one.
Payoff timeline
A month-by-month schedule and chart for every debt.
Extra payments
Add a monthly extra or one-off payments and watch your debt-free date move closer.
Set up in 4 steps
Make your own copy
After purchase, open the PDF from your Etsy downloads and click the template link. Google Sheets asks you to “Make a copy”, and the copy lands in your own Google Drive, private to you.
List your debts
Enter each debt's name, balance, interest rate and minimum payment.
Order & extra payment
List debts smallest balance first and add any extra monthly payment.
Follow the plan
The schedule shows what to pay each month and your debt-free date.
Good to know
What's included in the Planly Debt Melt?
1 tabs: Debt Calculator. Everything is pre-built with formulas, so you only fill in your own information.
How do I get the template after buying?
Etsy gives you an instant PDF download with your template link. Open it, click “Make a copy”, and the sheet is saved to your Google Drive.
Does it work on my phone?
Yes! Open your copy in the free Google Sheets app on iPhone, iPad or Android. Setup is easiest on a computer.
Can I reuse it next year?
Yes. Make a new copy and change the year on the setup tab.
Is there a dark mode?
Yes, a Dark Mode edition is included free. It has the same tabs and formulas with a dark background that's easier on the eyes at night. Your download page has a button for each version, and you can keep both.
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