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Debt Payoff Planner — Snowball vs Avalanche (Excel)
Eight debts, both orders, a 60-month schedule that rolls your extra payment onto the most expensive debt. One number: months to debt-free.
List up to eight debts — cards, personal loan, car loan — with balance, rate and minimum. The planner ranks them both ways (smallest balance first / highest rate first), shows what your debts cost you in interest every month right now, and builds a 60-month payoff schedule that rolls your extra payment onto the most expensive debt until everything reads zero.
Built around UAE card rates (39% APR) but works in any currency. Formulas only, no macros.