Debt Payoff Tracker

Every debt, one plan. These printable debt payoff trackers walk you through the snowball and avalanche methods with a filled-in example beside every blank page, and the included spreadsheet calculator works out your debt-free date, payoff order and every month of the plan for you. Four savings challenges to color in, sinking funds and a no-spend month help you build savings along the way.

WHAT'S INCLUDED · 24-PAGE PRINTABLE (US LETTER + A4)

• Snowball or avalanche? Both methods explained side by side, with one sample family's real numbers
• Debt overview: example + fillable
• Snowball tracker: example + fillable (cross off each debt in 10% steps)
• Avalanche tracker: example + fillable
• Payment log: example + fillable
• Debt-free countdown: 100 circles to color, each 1% of your total
• Your payoff calculator: a guide to the spreadsheet
• 52-week savings challenge ($1 to $52, $1,378 in a year)
• $1,000, $5,000 and $10,000 savings coloring charts (every circle adds up to the goal exactly)
• Sinking funds: example + fillable, with month-by-month trackers
• No-spend month: undated, 31 days, rules, wins: example + fillable

DEBT PAYOFF CALCULATOR · GOOGLE SHEETS + EXCEL

• My Debts: enter up to 10 debts with balance, APR and minimum payment, your extra monthly payment, and choose Snowball or Avalanche
• Dashboard: debt-free date, months to go, payoff order and payoff date for each debt, total interest, and interest and time saved compared with paying minimums only
• Payoff Schedule: every month for up to 30 years, the payment for each debt and the balance left
• Payment Log: record real payments as you go
• A DEMO file filled with the sample family, so you can see it working first. In the demo, the same $1,039 a month pays off $39,790 by August 2030 and saves about $6,558 in interest compared with minimums only.

CHECKED

Every formula was recalculated in a formula engine and compared with an independent month-by-month calculation: zero errors.

HOW IT WORKS

1. Download the files from your receipt email after purchase.
2. Print the PDF, or type straight into it in the free Adobe Acrobat Reader.
3. Google Sheets: upload the .xlsx to Google Drive, open it, then File › Save as Google Sheets. Excel: just open it (Excel 2016 or newer, Mac and online too).

GOOD TO KNOW

• Undated: start any month.
• Simple formulas only, no add-ons or macros.
• A planning and tracking tool, not financial advice. Interest is estimated monthly with fixed minimum payments, so real statements will differ a little.

PLEASE NOTE

• This is an instant digital download. Nothing will be shipped.
• For personal use only. Please don't resell or share the files.
• Colors can look a little different depending on your screen and printer.
• No trademarked characters or brands are used. All writing and line art are original.
• Designed by Rooted & Refined with help from digital tools; cover and listing photos are editorial concept images created with digital tools.