Debt payoff
Debt Payoff Tracker
Debt payoff tracker spreadsheet: list your debts once and get a month-by-month payoff plan with the snowball or avalanche method, your debt-free date, the interest you save, and a payment log with a progress bar for every debt.
C$9CAD
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- Instant download, nothing shipped
- Excel 2016+ and Google Sheets
- Filled-in sample file included
- Damaged or not as described? Fixed or refunded within 60 days
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What it does
- Your debts: up to 15 debts with balance, interest rate (APR) and minimum payment. Credit cards, store cards, car loans, student loans, personal loans, medical bills
- Pick a method: Snowball (smallest balance first), Avalanche (highest interest rate first) or Custom (your own order)
- Rollover built in: your monthly budget (all minimums plus your extra amount) stays the same, so every paid-off debt's payment rolls into the next one
- Dashboard: total debt, months to debt-free, your debt-free date and the interest you will pay
- Compare: snowball, avalanche and custom side by side, plus paying only the minimums, with how much each method saves
- Each debt: pay-off order, the month it will be paid off, what you have paid so far, the balance now and a progress bar
- Payment log: record each payment and any interest or fees from your statement, and the balances update by themselves
- Chart: total left to pay under your plan vs minimums only
- Full month-by-month plan for each method, up to 30 years. Works in any currency
What you get
- XLSXDebt-Payoff-Tracker.xlsx (blank)
- XLSXDebt-Payoff-Tracker-with-Sample-Data.xlsx (a filled-in example: 6 debts, two months of payments)
- PDFQuick-start guide (PDF)
Please note
Interest is worked out monthly (APR divided by 12) and rounded to the cent, so the plan is close to your statements but not exact. A planning tool, not financial advice. For personal use; please don't resell or share the files.
Disclaimer
This template is a planning tool and does not replace advice from a qualified or licensed professional (such as an accountant, financial advisor or lawyer). Check the results before you rely on them.
How it was made
Designed by VARS Digital with AI-assisted tools. Every formula is checked before release, and the sample file shows each tab working.
Questions
Email varsdigitals@gmail.com and we'll help you get set up.
