About Debt Payoff Spreadsheet
Welcome to Debt Payoff Spreadsheet. We created this site with one simple goal: to help people like you take control of their debt and achieve financial freedom using proven, practical tools.
Why We Built This
Debt is stressful. We know because we've been there. When you're juggling multiple credit cards, loans, and monthly payments, it's hard to see a way out. You might feel like you're drowning in interest charges, or that you'll never be debt-free.
That's why we built this free debt payoff calculator. We wanted to create something that gives you clarity—a tool that shows you exactly when you'll be debt-free and how much you'll save. No complicated financial jargon, no expensive software, just straightforward answers to help you make a plan and stick to it.
What Makes Us Different
- 100% Free, Always: No trials, no subscriptions, no hidden fees. We believe everyone deserves access to quality financial tools, regardless of their situation.
- Your Privacy Matters: Your financial data stays on your device. Our calculator runs entirely in your browser—we never see your numbers, and they're never sent to a server.
- Both Methods, Your Choice: We support both the Debt Snowball (smallest balance first) and Debt Avalanche (highest interest first) methods. You can compare them side-by-side and choose what works for you.
- No Sign-Up Required: Start using the calculator immediately. No email address, no account creation, no barriers between you and your debt-free plan.
Our Approach
We're not financial advisors, and we're not trying to sell you anything. We're just people who understand how overwhelming debt can feel and wanted to create a resource that actually helps. Our calculator gives you the same insights that professional financial planners use, but in a format that's accessible to everyone.
Whether you're dealing with $5,000 or $50,000 in debt, whether it's credit cards, student loans, or a mix of everything—we want to help you see your path forward.
How We Keep This Free
To keep this site running and these tools free for everyone, we may occasionally include affiliate links to financial products or services that we genuinely believe can help. If you choose to use these services, we may earn a small commission at no extra cost to you. This helps us maintain the site and continue improving our tools.
We only recommend products we'd use ourselves, and we'll always be transparent about affiliate relationships.
Get Started
Ready to create your debt payoff plan? Head to our free calculator and see your debt-free date in minutes. If you have questions or feedback, we'd love to hear from you on our contact page.