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Debt snowball & avalanche

Watching your balances barely move while the interest piles up? This debt payoff tracker runs both the snowball and avalanche methods, shows what each debt really costs you in interest, and gives you a clear order to attack. Enter your debts once and follow the plan. Works in Excel and Google Sheets, with documented formulas. Designed by a CPA, from Aurent.

Getting started

Aurent Debt Studio — list each debt with its balance, APR, and minimum. Snowball attacks the smallest balance first; avalanche attacks the highest APR first. Put every spare dollar on the target, minimums on the rest, and roll the freed payment forward.