Stop guessing which debt to pay first. This 6-sheet Excel workbook compares snowball, avalanche, and your custom payoff order side by side — and calculates your exact debt-free date, total interest, and savings versus minimum payments automatically. Includes a 120-month payoff timeline, a 12-KPI dashboard with charts, and 15 copy-paste AI prompts to negotiate rates and find extra payoff cash. Works in Excel, Google Sheets, and LibreOffice with no macros.