Debt Payoff Tracker

A debt plan that survives real life. List your debts, choose your order, and see your estimated debt-free date. Skip a tight month or add a bonus, and the plan updates for you.

• Snowball, avalanche or your own order: switch and compare the date and interest. Want the loan from family gone first? Put it first.
• Real-life settings: an extra amount each month, skip months, lump sums, 0% deals with an end date, and buy now pay later as a debt type.
• Shows the month each debt is gone, the interest you avoid compared with paying only minimums, and how much per month clears it by a date you choose.
• Wins panel for the long middle: paid so far, debts cleared, next milestone.
• 11 printable A4 pages: debt list, payoff order, monthly tracker, colour-in thermometer, paper chain, one card per debt, milestone rewards, a pause-and-restart page and a minimum payments checklist.

For you if you are paying off more than one debt on a real-life income: pay that changes, surprise bills, a month you need to skip. Not for you if your payments are already bigger than your income. Then a free, non-profit debt advice service in your country is the best first step.

Digital download: 1 spreadsheet (Excel and Google Sheets) and 1 PDF. You get instant access after checkout. Because it is a digital product, all sales are final. Dates and amounts are estimates. A general planning tool, not personal financial advice.