Debt Payoff Tracker Spreadsheet

Type your debts, the extra you can pay each month and the method, and the tracker lays out the payoff month by month: which debt gets attacked first, when each one is gone, your debt-free date, the total interest, and how much interest and how many months the extra payment saves compared with minimums only.

WHAT YOU GET

• Debt Payoff Tracker (Excel): Start here, Dashboard (total debt, debt-free date, total interest, interest and months saved, payoff month for every debt, balance chart), Settings (extra per month, Snowball or Avalanche, start month), Debts (10, with months-at-minimum and a warning when a minimum does not cover the interest), Plan (240-month schedule, every debt), Minimum only (comparison schedule)
• Quick-start PDF

23,182 formulas, recalculated and checked for errors before listing.

HOW TO USE

1. Buy, then download on the page that opens right after payment (your Stripe receipt email carries the same link).

2. Open the workbooks in Excel 2016 or later, Google Sheets or LibreOffice; the quick-start PDF opens in any PDF app.

3. Yellow cells are inputs, grey cells calculate. Replace the example rows with your own.

PLEASE NOTE

• Digital download only; nothing is shipped. Returns are not possible on digital files; if a file will not open, email [email protected] and it gets fixed.
• Works in Excel 2016 or later, Google Sheets and LibreOffice. Interest is calculated monthly at APR / 12, the way most cards and loans state it; your lender's statement is the final word.
• Templates are not legal, tax or insurance advice. Have agreements reviewed by your own counsel and follow your own operating rules.
• For use in one business. Not for resale or redistribution.

Designed by A3E Studio (Ontario, Canada) and generated by our own software; every formula is recalculated and checked before listing.