OmniAura Finance Team
Designed by educators & planners
Debt Payoff Accelerator Spreadsheet
Compare snowball vs avalanche strategies, track every payment, and see your debt-free date with automatic projections.
2,800+ members have access · 26 downloaded today
Choose your plan
Everything included in your subscription
23 bundles + 2 SaaS tools. If bought separately, that's $200+. Pro members pay $15/month.
Included in OmniAura Pro
Finance Starter Bundle + all 22 other premium products — from $15/month
How delivery works
Complete checkout
Secure payment via Stripe — takes under 60 seconds.
Instant access
Your download link appears immediately on the confirmation page.
Download & use
Open in your preferred app and start using right away.
What this does for you
See your debt-free date. Work toward it.
Who it's for: Anyone paying off credit cards, student loans, or personal debt
About this product
The difference between the debt snowball and debt avalanche isn't just philosophy — it's thousands of dollars in interest and months of timeline. This calculator runs both strategies simultaneously on your debt list so you can see the exact dollar and time difference for your specific situation. Plug in every debt (balance, APR, minimum payment), set your extra monthly payment, and the spreadsheet generates month-by-month payoff schedules for both methods side by side. The interest savings display shows total interest paid with vs without your extra payment — for a typical ,000 in debt, adding /month saves ,000-,000 in interest depending on APRs. The payoff timeline chart shows every debt disappearing in sequence, which is genuinely motivating to look at. Used by 1,156+ people working their way out of credit card debt, student loans, and personal loans.
Try it before you download
No sign-in required to preview. Your own copy is saved to your Google/Notion account.
What's inside
- Complete debt inventory with interest + payoff math
- Snowball vs Avalanche comparison on your debts
- 24-month payoff schedule projection
- Total interest savings calculator
- Works for any combo of cards, loans, student debt
Best for
People juggling 3+ debts who want a plan, not another budget.
File types included
Excel (.xlsx)
Microsoft Excel 2016+
Google Sheets
Free with Google account
Software compatibility
✓ No special software required for PDF files. Excel files require Microsoft Excel 2016 or later, or Google Sheets (free).
What early reviewers say
Sarah M.
2 days agoHad the Canva Social Media Kit live in my client's project the same day — every layout pre-sized, I only needed to swap in the brand hex codes.
James T.
1 week agoThe budget spreadsheet cut my weekly tracking from four hours to about 20 minutes — it auto-calculates everything from my paycheck input. I open it every Monday.
Priya K.
2 weeks agoCustomised the Canva design in under 20 minutes for a client pitch deck. They asked where I got the file — I ended up recommending OmniAura to three colleagues.
License
Personal & Commercial License
Use in client work, your own products, and personal projects.
OmniAura Pro
Kids Learning + Budget Planner + 50+ premium products — all in one subscription
- 50+ premium products — instant access to all downloads
- kids learning & phonics printables
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- Excel, Notion, PDF, Canva & PNG formats
- Personal & commercial use license
- Priority support · New tools and bundles added continuously
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What you're getting
Secure payment
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Instant delivery
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30-day guarantee
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2,800+ subscribers
4.9★ avg rating
The transformation
You're making minimum payments and it feels like the debt is never going down.
You know your exact debt-free date and exactly how much every extra dollar saves you.
Who uses this
Paying off credit card debt
Managing student loans alongside other debts
Deciding between snowball vs. avalanche method
Finding motivation by seeing your debt-free date
What's inside — sheet by sheet
Click each tab to explore what every sheet does.
Debt Overview
All debts ranked by snowball and avalanche order with payoff dates.
Everything included
Snowball vs. avalanche comparison (both methods, side by side)
Month-by-month payoff schedule for every debt
Extra payment simulator: see impact of $50–$500 extra
Total interest saved with each method
Debt-free date calculator
Up to 15 debts supported
Customer reviews
143 reviews
Tanya B.
✓ Verified2026-04-15
Paid off $24K in 18 months
This spreadsheet gave me a plan. I could see that switching to avalanche method saved me $1,847 in interest vs snowball. That motivated me to find an extra $300/month to throw at debt. Debt-free in February!
Use case: Credit card debt
71 people found this helpful
Mike J.
✓ Verified2026-04-15
Finally understood snowball vs avalanche
I'd heard about both methods but never saw them side-by-side with my actual numbers. Turned out avalanche saves me $2K but snowball gets me my first win in 4 months vs 8. I went with snowball for the psychology.
Use case: Method comparison
33 people found this helpful