Excel workbook
Debt Avalanche & Amortization Matrix: Multi-Loan Payoff Plan in Excel With No Bank Linking
Enter your debts and one monthly amount and see the order, the dates and the interest you avoid, in a file that never connects to your bank.
$24 one time · 14-day full refund · example and blank copies · download link by email
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Browse the storeWho it is for
Anyone paying down several debts, and bookkeepers or coaches who build payoff plans with clients.
Not the right fit if
You have more than eight debts, or you want a plan that pays smallest balances first rather than highest rate.
Why it is different
- Payments roll over automatically when a debt is paid off.
- Nothing connects to a bank; the file holds only what you type.
- A filled example and a blank copy with working formulas.
What is inside
- Loans. Up to eight debts with balance, rate and minimum, ranked highest rate first.
- Plan. Your total monthly amount and the extra above the minimums.
- Summary. Payoff month for each debt, total interest, and interest saved against minimums only.
- Schedule. A 240-month schedule showing every debt every month.
- Amortizer. One loan with an optional extra payment each month.
A look inside
Example data, real formulas
Get it
Debt Avalanche & Amortization Matrix
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Uses the email and terms box above. You get the same download link by email.
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Delivered as a zip with a filled example and a blank copy. Built for Excel, tested in LibreOffice; it should open in Google Sheets but not every feature is tested there. For one business, your own use. General information, not accounting, tax or legal advice. Interest is computed monthly from the annual rate, so statements will differ slightly. Avalanche minimizes interest; some people prefer other orders. Not financial advice. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
Ways to get it
Just this kit, or more
Membership
$29 a month
Every kit and document pack in the store, including new ones. Cancel any time.
See the membershipQuestions
Common questions
What do I get and how is it delivered?
The Debt Avalanche Matrix as two Excel files in one zip: a filled-in EXAMPLE so you can see every tab working, and a BLANK copy for your own numbers, plus a README. The download link arrives by email after payment.
Will it open on a Mac, Google Sheets or my phone?
Built for Excel and tested in LibreOffice, which runs on Mac and Windows; it should open in Google Sheets, but not every feature is tested there. Phone spreadsheet apps are not tested. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund.
Is this legal or tax advice?
No, it is not financial advice.
Is it the right fit for me?
It is made for anyone paying down several debts, and bookkeepers or coaches who build payoff plans with clients. Skip it if you have more than eight debts, or you want a plan that pays smallest balances first rather than highest rate.
Rather hand it off?
We can keep the books for you each month
If tracking this yourself is more than you want to take on, we do monthly bookkeeping in QuickBooks, Xero or Excel. Tell us what you use and what is behind, and we reply with a written quote after a short review of your books. No obligation.
Get a bookkeeping quote Free books health checkPrefer to keep it yourself but want a hand getting started? Book a 45 minute setup session ($65).
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