{"product_id":"debt-snowball-spreadsheet-excel-google-sheets-debt-payoff-calculator-40-debts-30-year-plan-clean-demo","title":"Debt Snowball Spreadsheet | Excel \u0026 Google Sheets Debt Payoff Calculator | 40 Debts, 30-Year Plan, Clean + Demo","description":"\u003cp\u003eStop wondering which debt to pay next.\u003c\/p\u003e\n\u003cp\u003eDebt feels heavier when you can't see the finish line. The Made by Motive Debt Snowball Calculator gives you that finish line — a clear, visual, smallest-balance-first plan that turns your balances, APRs and minimum payments into one connected dashboard, monthly schedule and payoff roadmap. Enter your numbers once in the blue cells, and watch every projection, milestone and next-action update itself, so every payment you make feels like real progress instead of guesswork.\u003c\/p\u003e\n\u003ch3\u003eWhat is included\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eExcel CLEAN workbook — start with your own numbers.\u003c\/li\u003e\n\u003cli\u003eExcel DEMO workbook — explore a completed example first.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets import-ready CLEAN and DEMO fallbacks.\u003c\/li\u003e\n\u003cli\u003eVerified native Google Sheets CLEAN and DEMO private-copy links inside the Start Here guide.\u003c\/li\u003e\n\u003cli\u003eStart Here guide.\u003c\/li\u003e\n\u003cli\u003eFull User Guide.\u003c\/li\u003e\n\u003cli\u003eDebt Snowball Method Guide.\u003c\/li\u003e\n\u003cli\u003ePlatform Compatibility Guide.\u003c\/li\u003e\n\u003cli\u003eLicense and educational disclaimer.\u003c\/li\u003e\n\u003cli\u003e1080p local video tutorial.\u003c\/li\u003e\n\u003cli\u003eTutorial transcript.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat the calculator shows\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eTrack every debt you owe — up to 40 — without losing sight of a single one.\u003c\/li\u003e\n\u003cli\u003eSee your exact debt-free month before you make a single extra payment: a full 360-month \/ 30-year projection.\u003c\/li\u003e\n\u003cli\u003eKnow exactly which debt to attack first — smallest-starting-balance priority, calculated for you.\u003c\/li\u003e\n\u003cli\u003eTotal starting debt and starting minimums, so you know where you're really starting from.\u003c\/li\u003e\n\u003cli\u003eA planned monthly budget that keeps you honest.\u003c\/li\u003e\n\u003cli\u003eYour projected debt-free month, in black and white.\u003c\/li\u003e\n\u003cli\u003eKnow exactly how much interest you'll save — real numbers, compared against the built-in minimum-only baseline.\u003c\/li\u003e\n\u003cli\u003eSee months saved when both modeled plans repay within the 30-year horizon.\u003c\/li\u003e\n\u003cli\u003eNever wonder what to do next: a next-payment action, always visible at the selected preview month.\u003c\/li\u003e\n\u003cli\u003eYour next 25%, 50%, 75% or 100% milestone — always in view, always motivating.\u003c\/li\u003e\n\u003cli\u003eAdd monthly recurring extra payments plus optional one-time extras, and watch the payoff date move.\u003c\/li\u003e\n\u003cli\u003eFeel the progress: percentage-labeled progress doughnuts.\u003c\/li\u003e\n\u003cli\u003eMobile summary and one-page print\/PDF plan for a quick gut-check anywhere.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eHow it works\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eChoose currency, start month, year and optional monthly extra.\u003c\/li\u003e\n\u003cli\u003eEnter a nickname, balance, APR and minimum payment for each debt in the blue cells.\u003c\/li\u003e\n\u003cli\u003eReview the automatically generated snowball order and month-by-month roadmap.\u003c\/li\u003e\n\u003cli\u003eUse the preview selector, progress charts and next-action panel for regular check-ins.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003ePlatform notes\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eMicrosoft Excel .xlsx: full desktop workbook experience; no macros and no external links.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets: use the verified native CLEAN or DEMO \"Make a copy\" link supplied in the Start Here and Compatibility guides.\u003c\/li\u003e\n\u003cli\u003eMobile: use MOBILE SUMMARY for quick review; larger-screen entry is recommended.\u003c\/li\u003e\n\u003cli\u003ePrint\/PDF: use PRINT PLAN for a compact monthly check-in.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eEvery month you wait is a month of interest you didn't have to pay. Start the plan today.\u003c\/p\u003e\n\u003ch3\u003eImportant\u003c\/h3\u003e\n\u003cp\u003eThis is an educational projection tool, not financial advice. It assumes fixed APR divided by 12, no new purchases or fees, and one monthly payment cycle. Actual lender timing, interest and payoff amounts may vary. Use debt nicknames only—never account numbers.\u003c\/p\u003e\n\u003cp\u003eDigital product only. No physical item is shipped.\u003c\/p\u003e\n\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\n\u003ch4\u003eDo I need Excel?\u003c\/h4\u003e\n\u003cp\u003eNo. The package includes verified native Google Sheets CLEAN and DEMO copy links. Excel files are also included for the full desktop workbook experience.\u003c\/p\u003e\n\u003ch4\u003eIs this automatic bank syncing?\u003c\/h4\u003e\n\u003cp\u003eNo. You privately enter debt nicknames, balances, APRs and minimums. The projection and visuals then update automatically.\u003c\/p\u003e\n\u003ch4\u003eCan I add extra payments?\u003c\/h4\u003e\n\u003cp\u003eYes. Add a recurring monthly extra and optional one-time extras in individual months.\u003c\/p\u003e\n\u003ch4\u003eCan I edit formulas?\u003c\/h4\u003e\n\u003cp\u003eBuyer input cells are editable. Formula and technical cells are protected to prevent accidental damage.\u003c\/p\u003e\n\u003ch4\u003eDoes this guarantee a payoff date?\u003c\/h4\u003e\n\u003cp\u003eNo. It is an educational projection. Compare important decisions against current lender statements and qualified professional advice.\u003c\/p\u003e","brand":"Made by Motive","offers":[{"title":"Default","offer_id":47408889823405,"sku":null,"price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0787\/3105\/1181\/files\/debt-snowball-hero.png?v=1788491380","url":"https:\/\/bymotive.shop\/products\/debt-snowball-spreadsheet-excel-google-sheets-debt-payoff-calculator-40-debts-30-year-plan-clean-demo","provider":"Made by Motive","version":"1.0","type":"link"}