Debt Payoff Tracker

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Take control of your debt and pay it off faster — with a clear plan, not guesswork. This Debt Payoff Tracker is a complete, easy-to-use spreadsheet that helps you organize every de bt, track your payments, and see exactly how close you are to being debt-free. Whether you're tackling credit cards, student loans, a car loan, or medical bills, this planner gives you one simple place to manage it all — and the motivation to keep going. Everything updates automatically. You just type in your debts and log your payments — the dashboard, charts, and balances do the rest. WHAT'S INSIDE (6 tabs): ⭐ Start Here – A simple guide so you know exactly how to use the planner from minute one. 📊 Dashboard – Your whole payoff journey at a glance: total debt, amount paid off, remaining balance, % paid, interest paid, and clean visual charts that update in real time. 📝 Debt Setup – List every debt in one place (balance, interest rate, minimum payment, due date). Your current balances update automatically as you log payments. 💳 Payment Log – Record each payment in seconds. The planner splits principal from interest and lowers your balance for you. 🎯 Payoff Plan – Choose your strategy — Snowball (smallest balance first for quick wins) or Avalanche (highest interest first to save the most money) — add any extra payment, and instantly see which debt to attack first and your estimated debt-free date. 🗂️ Lists – Powers the easy dropdown menus throughout the planner. WHO IT'S FOR: This planner is perfect for anyone who feels overwhelmed by debt and wants a simple, visual way to take charge. It's especially helpful if you've ever felt scattered or unsure where to start — everything is organized, color-coded, and designed to be calm and easy to follow, even if spreadsheets usually stress you out. WORKS WITH BOTH EXCEL & GOOGLE SHEETS: Use it on your computer or your phone. Open it in Microsoft Excel, or upload it to Google Drive to use it free in Google Sheets. Currency is set in US Dollars ($). DELIVERY: This is a digital download — no physical item will be shipped. After your purchase you'll receive instant access to download your files. Reuse it month after month and year after year; just duplicate the file whenever you want a fresh start. PLEASE NOTE: Due to the digital nature of this product, all sales are final and no refunds can be offered. If you have any questions or need help getting set up, please reach out — I'm happy to help. Show more