Free Debt Snowball Spreadsheet Template (CSV + Google Sheets Guide)

Want to track your debt snowball progress in a spreadsheet?
You can generate your custom plan using our debt snowball calculator and export it as a CSV file, perfect for Google Sheets or Excel.

What Is a Debt Snowball Spreadsheet?

A debt snowball spreadsheet helps you visualize your payoff journey month by month.

You can:

See balances shrink each month
Monitor your “snowball” effect as payments roll into the next debt
Forecast your debt-free date
Track minimum payments and extra contributions

Get Your Spreadsheet the Easy Way (via CSV Export)

You don’t need to start from scratch.

Just use our free debt snowball calculator:

Enter your debts and monthly budget
Generate your personalized plan
Download your CSV with one click

The CSV includes a month-by-month debt payoff schedule, ready for tracking.

How to Use the CSV File in Google Sheets or Excel

✅ Step 1: Upload to Google Sheets

Open Google Sheets
Click File > Import > Upload
Select your downloaded CSV
Choose “Insert new sheet” to keep your data clean

✅ Step 2: Format for Clarity

Freeze the top row for labels
Highlight current month
Add conditional formatting for debts at $0

You can even build:

A progress bar
% paid off tracker
Monthly milestone reminders

✅ Step 3: Update Monthly

As you make real payments, mark off your progress and re-run your plan when needed.

Why Spreadsheets Help You Stay on Track

“What gets tracked, gets improved.”

Spreadsheets turn a dream into a step-by-step journey. They help you:

Stay focused and intentional
Avoid losing motivation
Celebrate each small win

Need a Quick Start?

Download your plan instantly from DebtSnowball.org and import the CSV into Sheets.

From there, you can:

Add charts or colors
Share with a partner or financial coach
Keep a printed copy on your fridge or desk

Final Word: Simple Tools, Big Results

You don’t need complex apps or financial software.

Just a list of your debts, a CSV file, and the desire to change your future.

Use our debt snowball calculator to create your plan and take control—one spreadsheet at a time.

Free Debt Snowball Spreadsheet Template (CSV + Google Sheets Guide)