Debt Payoff Tracker Excel & Google Sheets, Debt Snowball Avalanche Spreadsheet, Credit Card Payoff, Debt Free Planner, Mortgage Calculator

DEBT PAYOFF TRACKER for Excel & Google Sheets — see your debt-free date the moment you type in your debts.

Type in what you owe. Pick Snowball, Avalanche or your own Custom order. The dashboard shows the month you'll be debt free, how much interest you'll pay, and how much you save compared with paying minimums only.

Then log each payment and watch the progress bars and the 100-square countdown fill in.

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WHAT'S INSIDE THE SPREADSHEET (11 tabs)

• Dashboard: total debt, paid so far, debt-free date, months to go, interest saved. Includes progress bars, a 100-square countdown that colours itself in, and charts.

• My Debts: up to 15 debts. Balance, APR and minimum payment are all you need.

• Compare Plans: Snowball vs Avalanche vs Custom vs minimums only, compared in dollars and months, with the cheapest plan named.

• Payoff Schedule: month by month for every debt, up to 30 years. Each debt's payment rolls to the next one when it's paid off.

• Payment Log: record what you actually pay. Everything updates.

• Payment Checklist: 12 months × every debt. Mark each one Paid, Late or Skipped.

• Milestones: 10%, 25%, halfway, debt free. Plan how you'll celebrate.

• Find Your Extra (NEW): a monthly budget worksheet that shows what you can really put toward debt, plus cut-back ideas to free up more.

• Payoff Calculators (NEW): how long will one debt take? What must I pay to be debt free by a date? Is a balance transfer worth it?

• Mortgage Payoff Calculator (NEW): see how extra payments shorten your mortgage and how much interest they save.

• Start Here: setup steps inside the file.

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BONUS: 15-PAGE PRINTABLE PACK (US Letter + A4)

Debt Inventory · Snowball Order · Avalanche Order · Single Debt Tracker · Credit Card Payoff · Monthly Payment Log · 100-Square Debt-Free Countdown · Colour-In Payoff Hearts · Monthly Bill Checklist · Monthly Check-In · Milestones & Wins · Find Your Extra · No-Spend Challenge · My Debt-Free Why

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WORKS FOR

Credit cards, student loans, car loans, personal loans, medical bills, Buy Now Pay Later, money owed to family, and your mortgage.

WORKS WITH

Microsoft Excel (2010 and newer, Windows and Mac), Google Sheets, Apple Numbers and LibreOffice, on desktop, tablet and phone. No macros, no subscription, no account to create.

To use Google Sheets: upload the file to Google Drive, open it, then File → Save as Google Sheets. Formulas, dropdowns and charts carry over.

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HOW IT WORKS

1. Buy. The files appear in your downloads straight away.

2. Unzip the download, open the spreadsheet and type over the sample debts on the My Debts tab.

3. Choose Snowball, Avalanche or Custom on the Dashboard.

4. Log payments as you make them. The tracker does the maths.

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YOU RECEIVE

• Debt Payoff Tracker (.xlsx)

• Debt Payoff Printables, US Letter (PDF, 15 pages)

• Debt Payoff Printables, A4 (PDF, 15 pages)

• Start Here guide (PDF)

The first three come in one ZIP file. The Start Here guide is also attached separately. On a phone, save the ZIP and open it on a computer, or use the Files app.

PLEASE NOTE

This is a digital download. Nothing is shipped. Files are delivered instantly, so all sales are final. If anything won't open, message us and we'll fix it the same day.

This is a planning tool, not financial advice. It assumes fixed interest rates and minimum payments. Your lender's figures are the ones that count.

Personal use only. Please don't share or resell the files.

ClearToolsCo · CTC-FIN-DEBTXLSX