Paycheck Budget + Debt Snowball vs Avalanche

Budget by paycheck and compare snowball vs avalanche to find the fastest or cheapest way out of debt.

What you get

- Paychecks: up to 4 paydays a month. Bills are assigned automatically to the paycheck that has to cover them. Plan groceries, gas, fun money, savings and extra debt payments; "Left over" turns red if a paycheck runs short

- Bills: due day, amount, category, autopay, paid ✔ (paid bills turn green) and a running "still to pay" total

- Spending log: every purchase is matched to its paycheck by date, so you see spending vs plan per paycheck

- Debts: up to 8 debts, with snowball (smallest balance) and avalanche (highest APR) order calculated automatically

- Snowball vs Avalanche: full month-by-month simulations (up to 15 years) with rollover of freed-up payments

- Dashboard: debt-free date, months and total interest for each strategy, how much avalanche saves, an automatic recommendation, and a 5-year balance chart

- Formula cells locked (no password), realistic sample data, "How to use" tab and PDF guide

Instant download. Works with the tools named above. Personal/single-business use; please don't resell.