Know When You'll Be Debt-Free — And the Smartest Way to Get There.

Debt feels overwhelming when you don't have a plan. Paydown Compass is a Google Sheets debt payoff planner that maps out your exact path to financial freedom — showing you which debts to attack first, how much interest you'll save, and the exact date you'll make your last payment.

What's Inside:

Debt Payoff Dashboard — total debt, total interest saved, and projected debt-free date at a glance
Debt Avalanche & Snowball Methods — choose your preferred strategy and let the planner do the math
Multi-Debt Tracker — track every debt with balance, interest rate, minimum payment, and extra payment
Payoff Timeline — see exactly when each debt will be paid off and in what order
Interest Savings Calculator — see how much you save by paying extra each month
Automatic Calculations — every number updates instantly as you adjust your payments

How It Works:

Enter your debts, balances, interest rates, and minimum payments. Paydown Compass instantly calculates your payoff order, timeline, and total interest paid — then shows you how much faster you can get there by adding extra payments.

Instant digital download. After purchase, you'll receive a link to copy the Google Sheet directly to your Google Drive — no software needed, works on any device.

Your debt-free date is closer than you think. Built for Google Sheets.

Who This Is For:

Paydown Compass is perfect for anyone who wants to:

Pay off credit cards faster
Compare debt snowball vs. debt avalanche
See exactly where extra payments should go
Track multiple debts in one simple dashboard
Stay motivated with a clear debt-free date
Stop guessing and follow a real payoff plan

Paydown Compass – Google Sheets Debt Payoff Planner