Caleb's Templates

Templates · Google Sheets

Debt Payoff Tracker

List your debts, pick Snowball or Avalanche, add an extra payment, and see your payoff order, your debt-free date and how much interest you'd save.

  • Snowball or Avalanche
  • See your debt-free date
  • See interest saved
$6.00
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Debt Payoff Tracker in Google Sheets on a laptop, shown with sample data

What's inside

  • Start HereYour welcome page: a 4-step setup checklist, how the tabs fit together, a guide to every tab with clickable links, and the color legend.
  • DebtsUp to 10 debts. Type each debt's name, starting balance, APR and minimum payment. Your balance now, % paid off, payoff order, months to pay off, payoff date and interest paid fill in.
  • PlanPick Snowball (smallest balance first) or Avalanche (highest interest rate first) and type an extra monthly payment. You see your monthly budget, debt-free date, months to go, total interest, the same with minimums only, and the interest you save.
  • ScheduleYour plan month by month until you're debt-free: the payment, interest, principal and remaining balance for each month. It's all formulas, so it updates the moment you change a debt, the strategy or the extra payment.
  • ProgressLog each payment with the balance you owe afterwards. You see how many payments you've made, the total paid, your debt now, the % paid off and a chart of starting balance against balance now for each debt.

A closer look

See your debt-free date: Your budget, months to go, total interest and the interest you'd save. (Debt Payoff Tracker, sample data)
Every debt in one place: Balance, APR, minimum, payoff order and payoff date for each debt. (Debt Payoff Tracker, sample data)
See the interest you'd save: Your plan compared with paying only the minimums. (Debt Payoff Tracker, sample data)
Every month planned: The payment, interest and balance for each month until you're done. (Debt Payoff Tracker, sample data)
Watch your debt shrink: Log each payment and see your progress and a chart. (Debt Payoff Tracker, sample data)

Screenshots show the Sample copy with made-up data.

Get set up in minutes

  1. Open your copy's Start Here tab.
  2. Debts: list each debt with its balance, APR and minimum.
  3. Plan: pick Snowball or Avalanche and type an extra monthly payment.
  4. Schedule: see your month-by-month plan.
  5. Progress: log each payment with your new balance.

Good to know

  • Google Sheets: you need a free Google account. This isn't an Excel file.
  • Works in any browser on a computer, tablet or phone. Setup is easiest on a computer.
  • Nothing to install: no add-ons, no scripts.
  • You get a ready-to-use copy plus a Sample copy filled with example data, and a step-by-step PDF guide.
How Debt Payoff Tracker fits together

Ready when you are

$6.00
Buy on Etsy

Instant download on Etsy. Checkout on this site is coming soon.

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