Debt Snowball Planner for Single Parents

One income. Kids. A pile of debts that are each “only” a few hundred — and minimums that quietly eat the grocery money. The snowball method was made for this: kill the smallest balance first, feel the win, roll that payment into the next one. This planner is built for a single parent’s real numbers — small balances, a modest extra, an emergency buffer that comes BEFORE extra debt payments — and it does the ordering, the roll-up and the timeline for you.

What it does for you:
– Start Here — 5-minute setup: take-home pay, the extra you can honestly aim at debt, your emergency buffer goal and how many kids are in the house.
– Snowball Debt List — every debt with Balance, APR, Minimum and Planned Payment; Remaining, Snowball Rank (smallest remaining first) and Months to Clear calculate themselves.
– Min Covers Interest? — a red NO flags any debt whose minimum does not cover monthly interest, so a balance that grows while you pay on time never surprises you.
– Snowball Roll-Up — the heart of it: debts in snowball order, each Roll Payment = its own payment plus every payment freed above it (your extra rides on the first debt), phase months and a cumulative debt-free timeline.
– Expense Log — log everyday spending once; childcare and kids’ categories are built in, not bolted on.
– Monthly Budget — zero-based monthly budget; Actual pulls from the Expense Log by itself.
– Dashboard — total remaining, your first snowball target by name, months to debt-free and paid-so-far at a glance.
– Monthly Summary — 12 months of spending in one view.
– Sample rows pre-filled (6 debts, $13,030 remaining, one minimum flagged NO; the roll-up clears everything in 28 months) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. A planning tool, not financial advice — your numbers, your pace.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Snowball Debt List · Snowball Roll-Up · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

Instant download. No shipping, no waiting. Message us if you need help setting it up — we answer fast.