Debt Payoff Tracker Spreadsheet

Turn a pile of balances into a clear plan with a real end date. List up to six debts, choose the snowball or avalanche method and enter what you can pay each month; the tracker works out your debt-free date, total interest and the month each debt will be paid off.

Ideal for

• Anyone paying off credit cards or loans
• Families working toward a debt-free goal
• People comparing snowball and avalanche
• Planners who like seeing every month mapped out

Features

• Snowball or avalanche method, switch with one click
• Debt-free date and total interest calculated for you
• Payments roll over automatically when a debt is paid off
• Payoff month for every debt
• Month-by-month schedule for up to 10 years
• Dashboard chart of your remaining debt

What's included

• Spreadsheet file for Microsoft Excel
• Google Sheets template link (in the PDF guide)
• PDF quick-start guide

Compatibility

• Microsoft Excel 2016 or newer, including Microsoft 365
• Google Sheets (free Google account required)

How it works

1. Download your files right after checkout; the download link is also in your receipt email.
2. Open the PDF guide and click the link to copy the template into your Google Drive, or open the .xlsx file in Excel.
3. Follow the quick-start steps; setup takes about 10 minutes.

Please note

• This is a digital download; no physical item will be shipped.
• For personal use only. Please don't resell, share or redistribute the files.
• Terms of use: results depend on the information you enter, so please double-check any figures that matter to you. To the extent permitted by law, our liability is limited to the price you paid. This does not affect your statutory rights as a consumer.
• This template is an organizational tool, not financial, tax or legal advice.
• Designed by LedgerLinenDesigns with the help of AI tools. Every formula is tested before listing.