Debt Payoff Tracker (English)

Your debt, made clear. A debt payoff spreadsheet that shows you the fastest and cheapest way out of debt. Enter your debts and how much you can pay each month, and the template tells you which method suits you, how much to pay each debt and the day you'll be debt-free.

I built it as an accountant with 20 years of experience, so you can stop guessing and see your numbers clearly. Works in Microsoft Excel and Google Sheets.

What's inside · 8 connected tabs

• My Debts: up to 15 debts with balance, annual rate and minimum payment. Choose how often you pay (monthly, every two weeks, weekly or twice a month) and how much you can pay in total.
• Compare: snowball, avalanche and your own order side by side: debt-free date, total interest, when each debt is paid off, and a chart.
• Dashboard: what you've paid, what's left, progress by debt and payments by month. Paid-off debts are marked automatically.
• Payment Log: every payment with the balance from your statement.
• Snowball, Avalanche and My Order: the full schedule, payment by payment.

What you get

A .zip file with the blank template (.xlsx), the same template with 6 debts and 10 months of sample payments, and a 5-page PDF getting-started guide. This is a digital product: nothing is shipped.

How it works

1. Buy and download the .zip.
2. Open the template in Excel, or upload it to Google Drive and open it with Google Sheets.
3. Enter your debts and monthly payment, choose your method and log your payments.

Before you buy

• You need Excel 2019, 2021 or Microsoft 365, or a free Google account.
• Calculations are estimates: your lender may calculate interest differently.
• It's an organizational tool, not financial advice.
• Personal use only. Reselling or sharing is not allowed.

Looking for the Spanish edition? See it here.