{"product_id":"debt-payoff-planner-spreadsheet-dark-mode","title":"Debt Payoff Planner Spreadsheet (Dark Mode)","description":"\u003cp\u003eA dark-mode debt payoff spreadsheet that shows your debt-free date and the order to pay your debts.\u003c\/p\u003e\u003cp\u003eThis is the dark version of our Debt Payoff Planner: the same 7 tabs, the same formulas and the same features, on a charcoal background with soft teal, coral, lavender and mustard accents.\u003c\/p\u003e\u003cp\u003eList each debt once: balance, interest rate (APR) and minimum payment. Pick Snowball or Avalanche and type the extra you can pay each month. The Plan tab shows your debt-free date, your total interest, and Snowball, Avalanche and minimums only side by side. Then log each payment and watch 100 boxes fill as your debt goes down.\u003c\/p\u003e\u003cp\u003eYou type in Setup once, then one row in Payments each time you pay a debt. Once a month, add your statement balances in Progress. Every other tab fills itself. No locked cells.\u003c\/p\u003e\u003ch3\u003eWHAT YOU GET · 3 FILES\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eDebt-Payoff-Planner-Dark.xlsx: your blank planner, up to 10 debts, 20 years of months\u003c\/li\u003e\n\u003cli\u003eDebt-Payoff-Planner-Dark-EXAMPLE.xlsx: the same file filled with made-up sample data (6 debts, Snowball, payments logged January to September 2026), so you can click around before you start\u003c\/li\u003e\n\u003cli\u003eDebt-Payoff-Planner-Dark-Quick-Start-Guide.pdf (4 pages): which file to open, the 3 steps, Snowball vs Avalanche with the example's numbers, 7 simple rules, questions and answers, and your Google Sheets \"Make a copy\" link\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eDARK MODE\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eEvery tab is dark: backgrounds, tables, the 100 boxes and both charts.\u003c\/li\u003e\n\u003cli\u003eType in the boxes with a thin border. Grey cells fill themselves.\u003c\/li\u003e\n\u003cli\u003eThe dark colors are built into the file. There is nothing to switch on.\u003c\/li\u003e\n\u003cli\u003eMade for the screen. If you print a tab, the dark background uses a lot of ink.\u003c\/li\u003e\n\u003cli\u003ePrefer light pages? See the light version below.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eSNOWBALL OR AVALANCHE?\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eSnowball pays the smallest balance first: quick wins.\u003c\/li\u003e\n\u003cli\u003eAvalanche pays the highest interest rate first: less interest overall.\u003c\/li\u003e\n\u003cli\u003eNot sure? The Plan tab shows both side by side, plus minimums only. Switch any time in Setup.\u003c\/li\u003e\n\u003cli\u003eFrom the example file (made-up numbers, an example only): 6 debts, 37,250 in total, 1,111 a month (811 in minimums + 300 extra). Snowball: debt-free Feb 2029, 4,329 in interest. Avalanche: debt-free Feb 2029, 4,138 in interest. Minimums only: Jun 2035, 9,789 in interest. Your numbers will be different.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003e7 TABS\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eStart Here: three steps and short tips, with links to Setup, Plan and Payments\u003c\/li\u003e\n\u003cli\u003eSetup: first payment month, Snowball or Avalanche, extra per month and currency symbol, then up to 10 debts with balance, interest rate (APR) and minimum per month\u003c\/li\u003e\n\u003cli\u003ePlan: debt-free date, total interest, interest and months saved compared with paying minimums only, Snowball vs Avalanche vs minimums only, your payoff order with the month each debt is paid off, a \"where your money goes\" chart and a \"debt left at the end of each year\" chart\u003c\/li\u003e\n\u003cli\u003eSchedule: every month of your plan with payment, interest, debt left and the balance of each debt. A green cell marks the month a debt is paid off.\u003c\/li\u003e\n\u003cli\u003ePayments: the one log you fill in. Date, debt (from a drop-down), amount and a note. 600 rows ready.\u003c\/li\u003e\n\u003cli\u003eProgress: start, paid so far, statement balance and balance now for each debt, % paid off, Paid off ✔ \/ In progress \/ Not started, a 100-box chart (1 box = 1% of your debt paid off) and an \"Are you on track?\" check\u003c\/li\u003e\n\u003cli\u003eCalc: the automatic math behind the plan (no need to touch)\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWHY IT'S SIMPLE\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eThe snowball is built in. When a debt is paid off, its money moves to the next debt by itself.\u003c\/li\u003e\n\u003cli\u003eCompare before you choose: Snowball, Avalanche and minimums only, side by side.\u003c\/li\u003e\n\u003cli\u003eSee what your extra payment changes: interest and months compared with paying minimums only.\u003c\/li\u003e\n\u003cli\u003eWatch the boxes fill. Every box is 1% of your debt paid off.\u003c\/li\u003e\n\u003cli\u003eStay close to your statements. Type your statement balance once a month and Progress uses it.\u003c\/li\u003e\n\u003cli\u003eNothing is locked. No passwords, no macros. Click any grey cell to see its formula.\u003c\/li\u003e\n\u003cli\u003eNo video needed. The Start Here tab and the 4-page guide cover everything.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHOW IT WORKS\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eAfter checkout, click the download button on your order confirmation page. The same download link is also in your order confirmation email.\u003c\/li\u003e\n\u003cli\u003eOpen the quick-start guide. Use its Google Sheets link to make your own copy, or open the blank .xlsx in Excel.\u003c\/li\u003e\n\u003cli\u003eSetup, about 5 minutes: pick your first payment month, Snowball or Avalanche and your extra per month, then list each debt with its balance, APR and minimum.\u003c\/li\u003e\n\u003cli\u003eRead your Plan: your debt-free date and the order to pay your debts.\u003c\/li\u003e\n\u003cli\u003eEach time you pay a debt, add one row in Payments. Once a month, type your statement balances in Progress and see if you are on track.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eCOMPATIBILITY\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eGoogle Sheets: use the \"Make a copy\" link in the guide (a free Google account is needed)\u003c\/li\u003e\n\u003cli\u003eExcel 2016 or newer on Windows (tested in Excel 2021)\u003c\/li\u003e\n\u003cli\u003eOn a Mac? Use the Google Sheets copy\u003c\/li\u003e\n\u003cli\u003eSet it up on a computer. On a phone or tablet, open your copy in the free Google Sheets app to add entries and check it on the go. Phone web browsers show a read-only view.\u003c\/li\u003e\n\u003cli\u003eNot for Apple Numbers.\u003c\/li\u003e\n\u003cli\u003eAny currency: pick or type your currency symbol. It's a label only; nothing is converted.\u003c\/li\u003e\n\u003cli\u003eUp to 10 debts. The plan looks 20 years ahead; a debt that takes longer shows \"20+ years\".\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eGOOD TO KNOW\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eThis is a digital download. No physical item will be shipped.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. You may gift one copy to one person. Please don't share, resell or redistribute the files or the Google Sheets link beyond that.\u003c\/li\u003e\n\u003cli\u003eEnglish only.\u003c\/li\u003e\n\u003cli\u003eColors may look slightly different on different screens.\u003c\/li\u003e\n\u003cli\u003eThis is a planning tool, not financial advice. Interest is an estimate (APR ÷ 12 each month); your lender may count it differently, so check your statements.\u003c\/li\u003e\n\u003cli\u003eDesigned with the help of AI tools, then checked by hand.\u003c\/li\u003e\n\u003cli\u003eQuestions? Email us at lysansan24@gmail.com and we'll help.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eMORE FROM OUR SHOP\u003c\/h3\u003e\u003cp\u003ePrefer light pages? The same planner in a light, cream design is our Debt Payoff Planner. Want a budget to go with your plan? See our Simple Budget Spreadsheet in Dark Mode (by calendar month) and our Paycheck Budget Spreadsheet in Dark Mode (by pay period). Like dark mode? We also make ADHD-friendly digital planners in dark mode, undated or 2027, plus printable planner pages.\u003c\/p\u003e","brand":"Holeless Digital","offers":[{"title":"Default Title","offer_id":59046065242376,"sku":"S-DEBT-D","price":15.29,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1060\/7329\/3064\/files\/11-debt-payoff-dark-devices.jpg?v=1791684865","url":"https:\/\/holelesshome.com\/products\/debt-payoff-planner-spreadsheet-dark-mode","provider":"Holeless Digital","version":"1.0","type":"link"}