Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel)

DEBT PAYOFF TRACKER — Spreadsheet Template for Google Sheets & Excel

Four proven methods. One powerful tracker. Your debt-free date, finally in sight.

Stop guessing. Start paying off smarter.

This clean, minimal debt tracker gives your customers the clarity and structure they need to eliminate debt — with four flexible payoff strategies built right in, so they can choose the method that actually fits their life.

Four Payoff Methods. One Spreadsheet.

☑️ Snowball Method — build momentum by clearing small debts first ☑️ Avalanche Method — minimize total interest by tackling high-rate debts first ☑️ Custom Method — create a personalized payoff order that works for you ☑️ Credit Score Focus — strategically pay down debt to boost your credit score faster

Track Up to 40 Debts — All in One Place

No more juggling tabs or scribbling numbers on paper. Everything updates automatically as you log payments, so you always know exactly where you stand.

Your Dashboard Shows You:

📅 Debt-free date 💰 Total interest paid (and saved) ✅ Paid-off date for each individual debt 📊 Payment progress as a percentage 💳 Current and remaining balances 📈 Credit utilization rate & credit limit 🔢 Number of paid vs. unpaid debts

Paid-off debts are automatically marked and filtered out — so your focus stays on what's left, not what's done.

What's Included (3 Tabs + Full Instructions)

📘 Instructions Tab — step-by-step guidance so anyone can get started in minutes ❄️ Debt Snowball Tab — your quick-win payoff plan 🏔️ Debt Avalanche Tab — your interest-saving payoff plan ⚡ Credit Score / Custom Method Tab — your flexible, personalized strategy

Works in Both Google Sheets & Excel

🟢 Google Sheets — just sign in with your free Google (Gmail) account. No software needed. 🟢 Excel — compatible with the latest version of Microsoft Excel.

Works on desktop, laptop, tablet, and mobile — check your progress from anywhere.

Two Currency Versions Included

This purchase includes two template versions — one formatted in USD ($) and one with no currency symbol, so it works seamlessly for customers in any country.

What You'll Receive After Purchase

Instant access to 2 digital files delivered immediately:

→ A PDF with your Google Sheets template link → An Excel (.xlsx) file ready to download and use

Instructions are built directly into the first tab of the spreadsheet — no hunting for a separate guide.

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The Fine Print

📦 Digital product — nothing physical will be shipped 🔒 For personal use only — redistribution or resale is prohibited 🚫 All sales final — no refunds or exchanges on digital downloads ⚖️ For informational purposes only — not financial or legal advice