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Credit Card Payoff Planner

A debt payoff planner for a credit card balance: a Dashboard with 3 charts, a 10-year Schedule and Snowball or Avalanche. XLSX with a blank copy.

Dashboard tab: Total owed $8,560, Paid off so far 15.2%, Debt-free Jul 2028, Interest saved $3,150; bar chart of Balance by debt, in payoff order ($); line chart of Total balance over time ($);...Debts tab: columns Debt, Starting balance ($), Balance now ($), Interest rate (APR), Minimum payment ($), Payoff order (auto); 4 sample rows.Schedule tab: Month, 1, 2, 3 and more.Payments tab: columns Date, Debt, Amount ($), Month (auto), Year (auto); 12 sample rows.

DashboardPreviews of the Dashboard, Debts, Schedule and Payments tabs with sample data, drawn from the file. Fonts and chart styling can differ in Excel, Numbers and Google Sheets.

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What's inside

Format
XLSX, CSV
Contents
6 tabs · 3 charts
Version
1.1 · Updated 7 Oct 2026
Licence
Personal What this means
Checked
Checked before it ships
  • credit-card-payoff-planner.xlsxXLSX · 97 KB
  • credit-card-payoff-planner-blank.xlsxXLSX · 93 KB
  • credit-card-payoff-planner.csvCSV · 246 B
  • LICENSE.txtadded to every download

About this item

A debt payoff planner for a credit card balance. It has 6 tabs: Start Here, Dashboard, Debts, Schedule, Payments, Settings. The Dashboard with 3 charts shows what you owe, how much you have paid off, your debt-free date (Jul 2028 in the sample data) and the interest your plan saves compared with minimum payments only, with each debt's balance in payoff order and your balance over time. Pick Snowball (smallest balance first) or Avalanche (highest rate first), type an extra monthly payment, and the Schedule recalculates month by month for up to 120 months. Payments you make are logged on their own tab. You get two files: one with sample data so you can see it working, and a blank copy with the same formulas. Nothing is password-locked. Made for Excel (XLSX).

  • Payoff
  • Debt
  • Credit card
  • Spreadsheet
  • Loans
  • Personal finance

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