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Personal finance

Debt Payoff Planner

€8.90

Find out which month you'll be debt-free. Enter your debts and what you can pay each month: the spreadsheet compares the snowball and avalanche methods.

This product's files are in European Portuguese.

Digital product. Instant download after payment. Nothing is shipped.

What's included

  • Debt list with balance, interest rate and minimum payment
  • Snowball vs avalanche comparison
  • Payoff month for each debt and interest saved
  • Emergency fund with a target
  • Month-by-month progress
  • Colour-in progress pages

Formats

  • Excel with automatic calculations, also works in Google Sheets
  • Notion template to duplicate into your free account
  • Printable PDF in A4 and A5 (14 pages)

The figures are estimates, not financial advice. Always confirm the numbers with your bank.

Frequently asked questions

How do I get my files?

Right after payment, your files are ready to download. Nothing is shipped.

What language are the files in?

Most are in European Portuguese. Products in the “English editions” section are fully in English.

Do I need a paid Notion plan?

No. A free Notion account is enough. The duplicate link is in the “Comece aqui” (Start here) PDF.

Does the Excel file work on Windows, Mac or Google Sheets?

Yes. It works in Excel for Windows and Mac and in Google Sheets. In Numbers the formulas work but the look may change a little.

Can I print more than once?

Yes, as often as you like, for personal or family use. Choose “Actual size” or “100%” when printing.

Can I share or resell the files?

No. Products are for personal use. For a business or school, get in touch.

Do you offer refunds?

Because files are available immediately after purchase, there are no returns. If there's a problem with a file, we'll sort it out with you.

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