The Debt Payoff Tracker turns a pile of statements into one plan and one date. List each debt once — balance, interest rate and minimum — and the spreadsheet works out the rest, month by month, for both the snowball and the avalanche method.
Who it is for
Anyone paying off credit cards, store cards, car, student or personal loans who wants to know exactly when they will be done.
What's inside (11 tabs)
- Cover — the tracker at a glance
- Start Here — The 3 steps and an index that jumps to every tab.
- Settings — Currency, your plan (snowball or avalanche) and the first payment month.
- Example — Six filled debts with $200 extra a month, and the race chart.
- Debts — Balance, APR, minimum and due day for up to 10 debts.
- Snowball vs Avalanche — Debt-free time, total interest and payoff order for both, side by side.
- Payoff Schedule — Month by month: interest, payment and what is left on each debt.
- Progress — Paid so far, % paid, a colour-in thermometer and your plan line.
- Extra Payment Simulator — Change one number and see the new debt-free time, interest saved and the race.
- Printable — A paper debt tracker page.
- Next Step — The other five tools in The Money Planner Bundle.
The signature feature: debt-free date simulator
Type one number — the extra you can pay each month — and see straight away:
- your new debt-free time for snowball and avalanche
- total interest saved and months saved compared with paying minimums only
- a month-by-month race chart: snowball vs avalanche vs minimums only
4 bonuses (each its own file)
1. Colour-in debt thermometers — 10 printables from 1,000 to 50,000 + a blank one (A4 + US Letter, fillable)
2. Creditor call scripts — word-for-word scripts for a lower rate, a payment plan and a late fee, plus a call log (A4 + US Letter, fillable)
3. Debt-free milestone certificates — first debt, 25%, halfway, 75%, debt-free and blank (A4 + US Letter)
4. Monthly debt review page — filled example + blank, fillable (A4 + US Letter)
Also included
- 6 colour themes: Sage, Dusty Blue, Blush, Soft Lilac, Neutral and Dark
- A sample-data copy with six example debts, so you can explore first
- A filled Example tab with the race chart
- A 2-page Quick Start
- Undated: start any month, any currency, up to 10 debts
Formats
Microsoft Excel (.xlsx) and Google Sheets (copy link in the Quick Start). Printables in A4 and US Letter.
How you get it
Instant download after checkout: one ZIP with the tracker, the colour themes, the sample-data copy, the Quick Start and the 4 bonuses.
Want the whole set? The Money Planner Bundle has all six money tools — budget, debt payoff, bills, savings goals, daily spending log and sinking funds:
https://getmoreguide.com/the-money-planner-bundle/
This tracker does arithmetic and organisation only. It is not financial advice.
