Native Sheets Snowball or avalanche, switched with one dropdown.
Smallest balance first for quick wins, or highest interest first to save the most money. Change your mind whenever you like — all 120 months of the projection rebuild instantly.
Battle Board — the road out: one stop per debt, in the order they will actually fall
What it does
Paying off debt is boring. So this one turns it into a boss fight.
Every debt becomes a boss with an HP bar. Every payment you make deals damage. Bosses fall one at a time, achievements unlock, and your rank climbs from ROOKIE to LEGEND as the balances come down.
The snowball is actually built in.
When a debt is cleared, its minimum payment doesn't vanish. It rolls straight into the attack on the next boss, automatically, exactly as the method is supposed to work.
It tells you the two numbers that matter.
The month you'll be debt free, and how much interest you're saving compared with paying only the minimums. Both recalculate every time you log a payment.
And it's honest with you.
If your payment doesn't cover the interest, it says so instead of drawing a pretty chart of a debt that never dies.
What's inside
7 tabs
- Battle Board — a drawn road to freedom: one stop per debt, set in the order they will actually fall, each with its months-to-K.O., HP bar and status, and a gate at the end naming the month you are debt-free. The bestiary below it carries every figure.
- Quest Setup — up to 10 debts, snowball/avalanche toggle, your extra monthly payment
- Payment Log — 300 rows; log a payment and the boss HP drops
- Payoff Plan — the projected month-by-month route to your freedom date
- Achievements — 16 milestones that unlock on their own as you go
- Start Here — plain-English setup, about five minutes
Why this one
Checked, not eyeballed
- No checkboxes to add, no scripts, no permissions to grant — including on the Google Sheets mobile app
- The payoff maths was tested against an independent simulation, including awkward cases like a 0% card, a 36% card, and a payment too small to ever clear the balance
- Google Sheets — nothing to install, nothing to approve, and it works in the phone app
Formulas9,149
Evaluation errors0
Independent checks3,329
3,329 checks: every one of the 120 projected months across all ten debt slots (balance, interest, minimum allocation, need, higher-priority need and extra), the closed-form minimum-only comparison, all 16 achievements, the full bestiary, and every stop on the road checked against an independently re-derived payoff order — so the map cannot silently draw the wrong boss at the wrong stop.
The details
What you get
- A thank-you page and email with your view-only Google Sheets link — open it, then File → Make a copy
- Real checkboxes, sparklines and charts, built natively in Sheets
- Instant delivery after payment; the link never expires
Your data stays yours
You take a copy into your own Drive. Everything you type lives in your copy. You can never edit the master, and I can never see a number in yours.
Good to know
Digital product — nothing is posted. Google Sheets only; you'll need a free Google account. Works on the Sheets mobile app. For personal use; please don't resell or redistribute the file. Something not working? Email me and I'll fix it.
Refunds
Instant digital downloads can't usually be returned once delivered — but if something doesn't work, message me before asking for a refund and I will sort it out. Full policies.
