Debt Payoff Tracker
Your 5-year path to zero. Choose snowball or avalanche, drop in your balances and rates, and the spreadsheet tells you exactly when each debt disappears.
What's inside — 5 linked sheets
- Instructions — setup, FAQ & tips
- Input Data — start date, monthly extra, method & up to 25 debts
- Transactions — log up to 500 real payments
- Payment Schedule — 60-month projection with planned vs actual
- Monthly Overview — drill into any month with tiles & charts
Why you'll love it
- Snowball and avalanche — switch in one click
- Cascading payments — when one debt clears, its payment rolls into the next
- Live progress bars & your exact debt-free date
- Multi-currency, auto-calculated, beginner-friendly
Choose your style: Pastel, Dark.
Works in Google Sheets & Excel · Instant download · Pay once — no subscription, lifetime access.
Everything you need, already built
Open it, copy it, start planning. The hard parts are done for you.
Snowball or avalanche
Switch method in a single click.
5-year projection
A full 60-month payoff schedule.
Debt-free date
See the exact day you finish.
Cascading payments
A cleared debt rolls its payment into the next.
Planned vs actual
Variance tracked every month.
Up to 25 debts
Each with a live progress bar.
Complete your money setup
Planners that pair perfectly with this one — add them and save.
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See exactly how it works before you buy
Watch the full walkthrough — copy your template, enter your debts and a payoff method, then log a payment and watch your debt-free date move closer.
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