Debt Payoff Tracker

Avalanche or snowball, a month-by-month plan, and the date you are debt free. Type three numbers per debt and the file does the rest.

6 tabs, all connected

• Start Here — Extra payment, strategy, start month
• Dashboard — Debt-free date, interest saved, payoff order, chart
• Debts — Up to 10 debts with automatic payoff order
• Payoff Plan — 60 months, every debt, every payment
• Minimums Only — The 10-year comparison
• Payment Log — 300 dated payments
• Blank + Demo files — Start clean or explore the demo

What it does

The date you are debt free

• Total debt, your monthly budget, your average interest rate
• Debt free in X months, and the actual month
• The interest you will pay - and what you save versus minimums
• Months saved, and what you have paid so far

Three numbers per debt. That is the whole setup.

• Balance, interest rate, minimum payment
• Up to 10 debts: cards, car, student, personal, family
• The payoff order and the payoff month calculate themselves
• Anything over 20% interest turns red

Every month, written out for you

• Which debt to attack this month, and exactly what to pay
• Every debt keeps its minimum; the extra goes to one debt at a time
• When a debt clears, its payment rolls into the next one
• Start, interest, payment and balance for all 60 months

See what the minimums really cost you

• The same debts with no extra and no snowball
• Ten years of month-by-month interest
• This is what the 'interest saved' number is measured against
• No guessing, no made-up figures

What you actually paid

• Date, amount, which debt, a note
• 300 rows
• Feeds the 'paid so far' tile on the dashboard
• The plan is the plan; this is real life

Set up in 10 minutes

1. Download & open — Open in Excel, or upload to Google Drive and choose 'Save as Google Sheets'.
2. List your debts — Balance, APR and minimum payment. Your statements have all three.
3. Pick avalanche or snowball — Type how much extra you can add each month. The plan and the date appear immediately.

• Avalanche = least interest. Snowball = fastest wins. Or set your own order
• Any currency, any country
• Cream cells = type here, white cells = automatic

What you receive

An instant download containing a blank file to start clean, a demo file filled in so you can see how it works, and a short read-me. Works in Google Sheets (free) and in Microsoft Excel, on a phone, a tablet or a computer. Any currency, any country.

Digital download — nothing is posted. No refunds on digital files, but message us if anything does not work and we will fix it.