What it does

Snowball, avalanche and minimum payments compared side by side
Estimated debt-free date, months to go and total interest
Extra-payment what-ifs: see how a little more each month changes the plan
Month-by-month payoff schedule, with payments rolling over as each debt is paid off
Room for up to 12 debts

Who it’s for

Anyone paying down credit cards, loans or medical bills who wants a clear plan and a date to aim for.

Does it work in Excel or Google Sheets?

Both. Every template works in Excel 2016 or newer and in Google Sheets with a free Google account, on a computer, tablet or phone.

Do I need a subscription or an account?

No. You pay once on Etsy and the file is yours. There is no Lavontryx account and no monthly fee. (Google Sheets itself needs a free Google account.)

What exactly do I get?

The spreadsheet file with sample data already filled in, plus a PDF setup guide. It is an instant digital download from Etsy.

Where is my information stored?

In your own copy of the file. Nothing you type is sent to us.

Are the dates and forecasts exact?

They are estimates based on what you enter. Payoff dates, forecasts and set-aside amounts update as your numbers change.

Can I get a refund?

Because these are digital downloads, all sales are final. If something isn’t working for you, message us on Etsy and we’ll help.

Can I share or resell it?

Templates are for personal use only. Please don’t resell or share the files.