OmniAura Finance Team
Hand-built in Excel & Google Sheets
Debt Payoff Accelerator Spreadsheet
Compare snowball vs avalanche strategies, track every payment, and see your debt-free date with automatic projections.
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How delivery works
Complete checkout
Secure payment via Stripe — takes under 60 seconds.
Instant access
Your download link appears immediately on the confirmation page.
Download & use
Open in your preferred app and start using right away.
What this does for you
See your debt-free date. Work toward it.
Who it's for: Anyone paying off credit cards, student loans, or personal debt
About this product
The difference between the debt snowball and debt avalanche isn't just philosophy — it's thousands of dollars in interest and months of timeline. This calculator runs both strategies simultaneously on your debt list so you can see the exact dollar and time difference for your specific situation. Plug in every debt (balance, APR, minimum payment), set your extra monthly payment, and the spreadsheet generates month-by-month payoff schedules for both methods side by side. The interest savings display shows total interest paid with vs without your extra payment — for a typical ,000 in debt, adding /month saves ,000-,000 in interest depending on APRs. The payoff timeline chart shows every debt disappearing in sequence, which is genuinely motivating to look at. Used by 1,156+ people working their way out of credit card debt, student loans, and personal loans.
About this item
- Instant digital download — Excel + Google Sheets, delivered the moment checkout completes
- Buy once, keep forever — re-download anytime, no subscription
- Download links also emailed to you for safe keeping
- Personal-use license — print or use digitally as often as you like
Your download — 1 file
- Debt Payoff Accelerator Spreadsheet — debt payoff accelerator (XLSX)
Item details
- Format
- Excel + Google Sheets · XLSX
- Delivery
- Instant download after checkout, plus links emailed to you
- Access
- Lifetime — re-download anytime from your account
- License
- Personal use — print or use digitally as often as you like
- Support
- Support chat + email — real humans, real answers
File types included
Excel (.xlsx)
Microsoft Excel 2016+
Google Sheets
Free with Google account
Software compatibility
✓ No special software required for PDF files. Excel files require Microsoft Excel 2016 or later, or Google Sheets (free).
Reviews
License
Personal & Commercial License
Use in client work, your own products, and personal projects.
Instant download · yours forever · no subscription
Secure checkout via Stripe · instant access
Buying a few? Our bundles pack many products into one download at a big discount — buy once, no subscription.
Shop bundles & saveWhat you're getting
Secure payment
Stripe encrypted
Instant delivery
Download now
Real support
We make it right
Lifetime access
Re-download anytime
The transformation
You're making minimum payments and it feels like the debt is never going down.
You know your exact debt-free date and exactly how much every extra dollar saves you.
Who uses this
Paying off credit card debt
Managing student loans alongside other debts
Deciding between snowball vs. avalanche method
Finding motivation by seeing your debt-free date
What's inside — sheet by sheet
Click each tab to explore what every sheet does.
Debt Overview
All debts ranked by snowball and avalanche order with payoff dates.
Everything included
Snowball vs. avalanche comparison (both methods, side by side)
Month-by-month payoff schedule for every debt
Extra payment simulator: see impact of $50–$500 extra
Total interest saved with each method
Debt-free date calculator
Up to 15 debts supported
