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Debt Payoff Spreadsheet
Snowball vs avalanche, side by side, until you're debt-free
1 follower
Snowball vs avalanche, side by side, until you're debt-free
1 follower
The Debt Payoff Spreadsheet answers all three with your real numbers. Enter your debts once, and it models both proven strategies side by side — Snowball (smallest balance first, for momentum) and Avalanche (highest interest first, for minimum cost) — showing total interest, months to debt-free, and a month-by-month payoff schedule for each, so you choose with evidence, not guilt.
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Hi Product Hunt 👋 I'm Jonathan, a data analyst from Pakistan. Most debt advice is motivational; I wanted it to be mathematical. This workbook runs snowball and avalanche on YOUR debts simultaneously and shows you the exact interest and time difference — in the sample it's $1,200 and a full year. Sometimes the "worse" strategy wins because people actually stick to it, and the sheet shows that trade-off honestly too. Happy to discuss the maths.