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 · example and blank copies · download link by email
Who it is for
Anyone paying down several debts, and bookkeepers or coaches who build payoff plans with clients.
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
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting 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.
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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