You have debt in more than one place, and no clear idea which one to attack first.Maybe it's a credit card, a car loan, a medical bill, a student loan — or all four. You check the balances in different apps, you make minimum payments, and you feel like you're paying every month without actually getting anywhere.That's not a willpower problem. It's a visibility problem. Without one place that shows you what you owe, what to pay first, and what's actually changing month to month, "pay off debt" stays a vague goal instead of a plan you can follow.The Clear Debt Payoff Planner is a Google Sheets system built to fix exactly that.You enter your debts once — balances, interest rates, minimum payments. The planner does the rest: it ranks your debts by Snowball (smallest balance first) or Avalanche (highest interest first) , tells you exactly which debt to focus on this month, and tracks every payment, fee, or balance change automatically. Your dashboard updates in real time, so you always know your total debt reduced, your progress percentage, and your next milestone.What's inside: Debt List — every debt in one place, with automatic balance and status tracking Payoff Plan — Snowball or Avalanche ranking, with your current target debt named for you Payment Log — track payments, interest, fees, and adjustments without messing up your formulas Dashboard — visual progress bar, charts, and milestone tracking (first $100 paid off, first debt cleared, debt-free) Start Here guide and a filled-in example tab so you're never guessing how to use it This is for you if:You have more than one debt, you're not a spreadsheet expert, and you want a system that tells you what to do next — not a blank template you have to figure out yourself.This is not for you if:You're looking for a full budgeting binder, a savings tracker, or investment planning. This planner does one thing: debt payoff clarity.Instant digital download. Works in Google Sheets — no software to install, no subscription.