# Debt Payoff Planner > Debt Payoff Planner (debtpayoffplanner.site, sold by Cosmo Suite Limited) is a debt payoff spreadsheet for Microsoft Excel and Google Sheets, both included; the download is named Debt Snowball Avalanche. You list up to 40 debts once (balance, interest rate, minimum payment) and it compares the snowball and avalanche methods side by side, builds an auto-sorted payment schedule, and updates interest and debt-free-date figures as you pay. Paid once, instant download, no subscription or account. It is a spreadsheet, not an app: not affiliated with the Debt Payoff Planner mobile app or other products sold under a similar name. Sold by Cosmo Suite. Support: support@debtpayoffplanner.site. Every link below is the Markdown version of a page on https://www.debtpayoffplanner.site/. ## Main pages - [Debt Snowball Avalanche](https://www.debtpayoffplanner.site/index.md): what the product is, what is included, FAQ - [About Debt Payoff Planner](https://www.debtpayoffplanner.site/about.md): who makes it, contact, policies, company details - [Editorial policy](https://www.debtpayoffplanner.site/editorial-policy.md): how blog articles are written, checked and corrected ## Blog: Spreadsheets and Tools - [Debt Snowball Worksheet: What to Fill In and How to Roll Payments Over](https://www.debtpayoffplanner.site/blog/debt-snowball-worksheet.md): Debt snowball worksheet guide: list balances, minimums and due dates, sort smallest to largest, then track each rollover with a clear sample layout. - [Debt Payoff Spreadsheets That Pick Your Order (Matched to Your Debts)](https://www.debtpayoffplanner.site/blog/debt-payoff-spreadsheet.md): Debt payoff spreadsheet basics: the 6 columns it needs, how it picks your payoff order, and a 4-card example worked out to a real debt-free month. - [How to Set Up a Debt Snowball Spreadsheet (Without Writing Formulas)](https://www.debtpayoffplanner.site/blog/debt-snowball-spreadsheet.md): Debt snowball spreadsheet setup in 5 steps for Excel or Google Sheets, with the rollover explained and a 4-debt example worked out to April 2029. ## Blog: Debt Collectors - [Debt Validation Letter: What It Is and How to Mark It in Your Debt List](https://www.debtpayoffplanner.site/blog/debt-validation-letter.md): Debt validation letter basics: read the notice, check the 30-day dispute window, find the CFPB sample, and record the debt while you wait. - [Can Debt Collectors Garnish Your Wages? What It Does to Your Payoff List](https://www.debtpayoffplanner.site/blog/can-debt-collectors-garnish-wages.md): Can debt collectors garnish wages? Usually only after a court judgment, capped by federal law. Here's what a garnishment does to your payoff list, worked out. ## Blog: Spreadsheets - [Debt Tracker in Google Sheets: Set Up a Clear Payoff Date](https://www.debtpayoffplanner.site/blog/debt-tracker-google-sheets.md): Debt tracker Google Sheets setup: log balances, APRs and minimums, compare payoff orders, and update the schedule when payments post or rates change. - [Debt Avalanche Spreadsheet: Set It Up Step by Step (Worked Example Included)](https://www.debtpayoffplanner.site/blog/debt-avalanche-spreadsheet.md): Debt avalanche spreadsheet: the 5 columns, the sort formula and one 4-debt example run month by month, with the interest the avalanche saves over the snowball. ## Blog: Credit - [Credit Utilization Ratio: How to Calculate Yours](https://www.debtpayoffplanner.site/blog/credit-utilization-ratio.md): Credit utilization ratio: calculate each card and your total, read the numbers in context, and track balances without treating 30% as a score promise. ## Blog: Debt Collection - [Does Debt Go Away After 7 Years? The Three Clocks](https://www.debtpayoffplanner.site/blog/does-debt-go-away-after-7-years.md): Seven years usually refers to credit reporting, not debt cancellation. Learn how credit-report, lawsuit, and collection timelines differ. ## Blog: Debt Relief Options - [Debt Settlement vs Debt Consolidation: What Changes?](https://www.debtpayoffplanner.site/blog/debt-settlement-vs-debt-consolidation.md): Debt settlement vs debt consolidation: compare how balances, payment terms, fees, and collection risks change before you review your options. ## Blog: Payoff Methods - [Debt Snowball vs Avalanche: Which Order Fits Your Debts? (3 Lists Run Both Ways)](https://www.debtpayoffplanner.site/blog/debt-snowball-vs-avalanche.md): Debt snowball vs avalanche on 3 example debt lists: the avalanche saved $1,359 on one, $290 on another and $0 on the third. Here's how to tell which you have. ## Blog: Relief Options - [Payday Loan Alternatives: What to Try When a Bill Is Due](https://www.debtpayoffplanner.site/blog/payday-loan-alternatives.md): Payday loan alternatives to check when a bill is due: ask the biller, check local help, compare credit union options, and calculate the full cost. ## Optional - [Sitemap](https://www.debtpayoffplanner.site/sitemap.xml) - [Blog RSS feed](https://www.debtpayoffplanner.site/blog/rss.xml)