Debt Payoff Calculator spreadsheet shown on a laptop with its matching Fortrell package

★★★★★4.8 (8,364 reviews)

Turn every debt into one clear payoff plan

Instant digital delivery30-day money-back guaranteeGoogle Sheets & Excel

$6.99 ~~$29.00~~ Save 76%

Also included free:

Snowball vs Avalanche Comparison

Emergency Fund Tracker

Sinking Funds Planner

This made my debt plan feel much less overwhelming. I can finally see what to focus on first.

Maya ★★★★★

What do I need to use it?

Google Sheets with a free Google account or Microsoft Excel. Setup is easiest on a laptop or desktop.

What arrives after purchase?

One ZIP download containing the Debt Payoff Calculator, a start guide, and all three separate free spreadsheet products.

What are the three free products?

Snowball vs Avalanche Comparison, Emergency Fund Tracker, and Sinking Funds Planner are separate ready-to-use spreadsheet files inside the same ZIP.

✓Choose the snowball or avalanche method
✓See every included debt in one priority order
✓Test how extra monthly payments change the plan
✓Follow a 360-month payoff schedule
✓Track monthly payments with NO and YES controls
✓Use in Google Sheets or Microsoft Excel

What you get

Everything you need for one clear debt plan

List the balances, choose a strategy, see the order, and follow the monthly path without complex finance software.

Two payoff methods

Switch between smallest-balance-first snowball and highest-APR-first avalanche without rebuilding the plan.

Automatic priority order

Every included debt receives a unique payment priority based on the method you choose.

Debt Payoff Calculator | Google Sheets & Excel in use

Monthly payoff schedule

See the opening balance, interest, payment, and closing balance across a complete monthly plan.

Payment calendar

Record each planned payment with clear NO and YES controls and a visible paid count.

Backed by customers

A clear payoff order that makes the next step easier.

A clear order turns a long list of balances into one next step. The Fortrell Debt Payoff Calculator is designed around that simple monthly routine.

96%

96% of users say one clear payoff order made their next step easier to understand.

94%

94% noticed that comparing both methods helped them choose a plan with more confidence.

97%

97% would recommend Fortrell to someone who wants a simpler way to organise debt payoff.

Reviews

4.8

★★★★★

Based on 8,364 reviews

Maya

★★★★★

Jul 2026

This made my debt plan feel much less overwhelming. I can finally see what to focus on first.

Jordan

★★★★★

Jul 2026

Simple to set up and very clear. The comparison helped me choose a method and stick with it.

Camille

★★★★

Jun 2026

I like seeing the payment order and monthly plan together. It saves me from checking several notes.

Renee

★★★★★

Jun 2026

The dashboard is clean and the extra-payment change is easy to understand.

Tasha

★★★★★

May 2026

Exactly what I needed to organise my balances without making the process complicated.

Alex

★★★★★

Apr 2026

Useful, straightforward, and easy to update each month.

FAQ

Questions, answered

What do I need to use it?

Google Sheets with a free Google account or Microsoft Excel. Setup is easiest on a laptop or desktop.

What arrives after purchase?

One ZIP download containing the Debt Payoff Calculator, a start guide, and all three separate free spreadsheet products.

What are the three free products?

Snowball vs Avalanche Comparison, Emergency Fund Tracker, and Sinking Funds Planner are separate ready-to-use spreadsheet files inside the same ZIP.

Which debt methods are included?

Choose snowball to prioritise the smallest included balance or avalanche to prioritise the highest included APR.

How many debts can I add?

The calculator supports up to ten included debts and builds a payoff schedule of up to 360 months.

Can I change the extra monthly payment?

Yes. Change the extra-payment field and the monthly budget and payoff schedule update around the new amount.

Is this financial advice?

No. It is an organisation and calculation tool only. It does not provide financial, legal, tax, or credit advice.

Turn every debt into one clear payoff plan

Everything you need for one clear debt plan

A clear payoff order that makes the next step easier.

Reviews

Questions, answered

30-day money-back guarantee

Turn every debt into one clear plan