--- title: "Debt Avalanche & Amortization Matrix (Excel) | MCC Solutions" description: "Excel workbook that ranks up to eight debts by interest rate, rolls payments to the next debt as each is paid off, shows payoff dates and interest saved…" url: "https://mcc-solutionsnj.com/toolkits/debt-avalanche-amortization-matrix" --- 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 Buy now, $24 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who 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 [![Summary tab of the Debt Avalanche & Amortization Matrix, with example data](/img/toolkits/debt-avalanche-amortization-matrix/a.png)](/img/toolkits/debt-avalanche-amortization-matrix/a.png) Summary tab with example data. Made-up numbers. [![Plan tab of the Debt Avalanche & Amortization Matrix, with example data](/img/toolkits/debt-avalanche-amortization-matrix/b.png)](/img/toolkits/debt-avalanche-amortization-matrix/b.png) Plan tab with example data. Made-up numbers. Get it ## Debt Avalanche & Amortization Matrix Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=debt-avalanche-amortization-matrix) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. 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 This kit **$24 one time** Debt Avalanche Matrix. Buy this kit The set **$35 one time** 3 kits including this one, $23 less than buying them separately. [See the set](/toolkits/job-loss-money-reset-bundle) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## 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](/bookkeeping/#interest) [Free books health check](/bookkeeping/health-check) Prefer to keep it yourself but want a hand getting started? [Book a 45 minute setup session](/workbook-setup-session) ($65). Buy it with the others [Bundle ### Home and Big Purchase Bundle This product plus 3 more, in one download. $55 instead of $76 separately](/toolkits/home-and-big-purchase-bundle)[Bundle ### Job Loss Money Reset Bundle This product plus 2 more, in one download. $35 instead of $58 separately](/toolkits/job-loss-money-reset-bundle)[### Month-End Close Workbook A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock. $19](/toolkits/month-end-close-workbook) ## More bookkeeping and business toolkits - [Debt Collector Rights Kit: Validation, Dispute and Cease-Contact Letters](/toolkits/debt-collector-rights-kit) $12 - [Delaware Employer Compliance Kit 2027](/toolkits/delaware-employer-compliance-kit-2027) $19 - [Delaware Landlord Compliance Kit](/toolkits/delaware-landlord-compliance-kit) $19 - [Delaware Small Claims Court Kit](/toolkits/delaware-small-claims-court-kit) $19 - [Delaware Unemployment Checklist](/toolkits/delaware-unemployment-checklist) $15 - [District of Columbia Employer Compliance Kit 2027](/toolkits/district-of-columbia-employer-compliance-kit-2027) $19 [See every toolkit and document pack](/toolkits/all) ## Rather have someone do the books? [Get a Bookkeeping Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)