Debt Payoff Planner
List every debt, rank them by avalanche or snowball, and see the month you're debt-free and the total interest you'll pay.
Made by Talreon.com, the same team behind the free debt payoff calculator.
Three tabs. Real formulas. Yellow inputs.
Change any yellow input and everything updates. Sample figures are included so you can see how it works straight away; overwrite them with your own.
1. Debts
Balance, APR and minimum payment for up to 10 debts. Monthly interest, months to payoff at the minimum and total interest at the minimum are calculated for you.
2. Strategy
Choose Avalanche (highest APR first) or Snowball (smallest balance first), enter an extra monthly payment, and see which debt to focus on first.
3. Payoff schedule
A month-by-month schedule of up to 360 months: start balance, interest, payment and end balance, plus months to payoff and total interest.
Who this planner is for
- Anyone paying off credit cards, car loans, personal or store-card debt
- People deciding between the avalanche and snowball methods
- Couples who want one shared payoff plan they can update monthly
Want to try the maths first? Use Talreon's free debt payoff calculator or loan calculator. This spreadsheet keeps your numbers in one place you can save and update.
Excel (.xlsx) · Opens in Google Sheets · Licensed for your own personal or business use
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How it works: send us a short email with your name and whether you prefer Excel or Google Sheets. We reply with a bank transfer invoice (usually within 1 business day). After you pay, we email you the file.
Pay by card: click Pay by card (Stripe) to pay securely online. Template emailed within 24 hours after payment. Bank transfer is still available.
Questions first? support@talreon.com
Frequently asked questions
What format is the file?
An .xlsx Excel workbook. Open it in Microsoft Excel, import into Google Sheets (File → Import), or open it in LibreOffice Calc.
How do I buy and receive the file?
Click Buy by email or Buy via WhatsApp (+65 8791 2456), or email support@talreon.com directly. Include your name and preferred format (Excel or Google Sheets). We send a bank transfer invoice within about 1 business day. After payment clears, we email you the .xlsx file. There is no self-serve checkout yet.
What is the refund policy?
If the file doesn't open or work as described, email us within 7 days of purchase for a full refund. Contact support@talreon.com.
Is this financial advice?
No. It is an educational spreadsheet with working formulas. Results are estimates; check the details for your own situation.
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Email support@talreon.com with any questions. Content is reviewed by the Talreon team (Hypercloudsoft, Singapore).