20+ views in the last 24 hours
  • May include: A digital debt payoff tracker displayed on a laptop and tablet screen. The interface features tables, charts, and text including "THE ULTIMATE DEBT PAYOFF TRACKER 2.0," "DEBT SNOWBALL," "DEBT AVALANCHE," "CUSTOM METHOD," and "CREDIT SCORE FOCUS."
  • May include: A digital debt tracker spreadsheet displayed on a laptop screen. The interface includes five tabs: Setup & Comparison, Debt Snowball, Debt Avalanche, Custom Method/Credit Score Focus, and Monthly Dashboard. Text highlights customisable features, customer reviews, and shop statistics.
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 3
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 4
  • May include: A digital debt avalanche spreadsheet template featuring a pie chart for debt balance distribution, columns for specific creditors like AMEX and Westpac, interest rate trackers, and a monthly payment schedule with fields for dates and balances.
  • May include: A digital debt tracking spreadsheet titled Custom Method featuring a credit score focus section, a pie chart for current balance distribution, and columns for various credit cards with payment dates, interest rates, and balance tables.
  • May include: A digital credit score focus spreadsheet template featuring a pie chart for balance distribution, debt payment tracking tables, and dropdown menus for sorting debts and selecting utilisation rate targets from 10% to 70% for financial planning.
  • May include: A digital debt tracking spreadsheet template featuring three comparison methods: Debt Snowball, Debt Avalanche, and Custom Method. It displays charts, progress circles, and tables for debt-free dates, interest, and balances.
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 9
  • May include: A digital debt tracker spreadsheet template featuring three steps for use. The layout includes tables for debt information, payment schedules, and a pie chart for balance distribution. Text includes EASY TO USE IN 3 SIMPLE STEPS and USER-FRIENDLY.
  • May include: A laptop screen displays a financial spreadsheet with columns for credit card debt, interest rates, and dates. Text includes Includes a Video Tutorial, Full Voice-Over, With Time-Stamp, Detailed Guide, Watch on YouTube, and Link to Video in Item Details.
  • May include: A digital graphic displaying compatibility with Google Sheets and Excel. It features icons for both programmes, text explaining Google Sheets requirements, and a note that the latest Excel version is required. It states two files are included.
  • May include: A digital debt payoff tracker spreadsheet template featuring two versions: a purple and pink theme and a dark mode theme. The text reads #1 Best-Selling Debt Payoff Tracker, The Ultimate Debt Payoff Tracker 2.0, and JREN DIGITAL.
  • May include: A digital debt payoff tracker displayed on a laptop and tablet screen. The interface features tables, charts, and text including "THE ULTIMATE DEBT PAYOFF TRACKER 2.0," "DEBT SNOWBALL," "DEBT AVALANCHE," "CUSTOM METHOD," and "CREDIT SCORE FOCUS."
  • Product video
  • May include: A digital debt tracker spreadsheet displayed on a laptop screen. The interface includes five tabs: Setup & Comparison, Debt Snowball, Debt Avalanche, Custom Method/Credit Score Focus, and Monthly Dashboard. Text highlights customisable features, customer reviews, and shop statistics.
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 3
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 4
  • May include: A digital debt avalanche spreadsheet template featuring a pie chart for debt balance distribution, columns for specific creditors like AMEX and Westpac, interest rate trackers, and a monthly payment schedule with fields for dates and balances.
  • May include: A digital debt tracking spreadsheet titled Custom Method featuring a credit score focus section, a pie chart for current balance distribution, and columns for various credit cards with payment dates, interest rates, and balance tables.
  • May include: A digital credit score focus spreadsheet template featuring a pie chart for balance distribution, debt payment tracking tables, and dropdown menus for sorting debts and selecting utilisation rate targets from 10% to 70% for financial planning.
  • May include: A digital debt tracking spreadsheet template featuring three comparison methods: Debt Snowball, Debt Avalanche, and Custom Method. It displays charts, progress circles, and tables for debt-free dates, interest, and balances.
  • Debt Payoff Tracker, Snowball Avalanche Calculator, Credit Card Tracker, Home Loan, Student Loan, Debt-Free Planner (Google Sheets & Excel) image 9
  • May include: A digital debt tracker spreadsheet template featuring three steps for use. The layout includes tables for debt information, payment schedules, and a pie chart for balance distribution. Text includes EASY TO USE IN 3 SIMPLE STEPS and USER-FRIENDLY.
  • May include: A laptop screen displays a financial spreadsheet with columns for credit card debt, interest rates, and dates. Text includes Includes a Video Tutorial, Full Voice-Over, With Time-Stamp, Detailed Guide, Watch on YouTube, and Link to Video in Item Details.
  • May include: A digital graphic displaying compatibility with Google Sheets and Excel. It features icons for both programmes, text explaining Google Sheets requirements, and a note that the latest Excel version is required. It states two files are included.
  • May include: A digital debt payoff tracker spreadsheet template featuring two versions: a purple and pink theme and a dark mode theme. The text reads #1 Best-Selling Debt Payoff Tracker, The Ultimate Debt Payoff Tracker 2.0, and JREN DIGITAL.
Report this item to Etsy

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

Ren Ren

Designed by Ren

Owner of JrenDigital

What to know

Digital download

Digital file type(s)

1 ZIP

Accelerate your path to becoming debt-free with this fully automated Ultimate Debt Payoff Tracker for Google Sheets & Excel. Compare Debt Snowball, Avalanche, Custom, and Credit Score Focus strategies side by side while tracking your payment schedule, debt-free date, balances, interest paid, and payoff progress automatically. With flexible payment frequencies (monthly, biweekly, weekly), monthly dashboard, and easy-to-follow tracking tools, this spreadsheet helps simplify and speed up your debt payoff journey.

YOUTUBE VIDEO LINK:
https://www.youtube.com/watch?v=1AB6FzFCBbw

FEATURES:
✓ Track up to 50 debts.
✓ Payment schedule & dashboard of all methods: Snowball, Avalanche, Custom & Credit Score Focus Methods.
✓ Paid-off debts are automatically marked, allowing you to easily navigate and focus on your remaining unpaid debts.
✓ Flexible payment frequencies including Monthly, Biweekly, Weekly, and Bimonthly/Semi-Monthly.
✓ FREE BONUS: Simple Budget Spreadsheet is included FOR FREE!

5 TABS + INSTRUCTIONS
✓ Setup & Comparison
✓ Debt Snowball
✓ Debt Avalanche
✓ Custom Method / Credit Score Focus
✓ Dashboard

CURRENCY
This purchase includes a template in $ currency and no currency (for any other currency than $).

IMPORTANT: ONLY COMPATIBLE WITH GOOGLE SHEETS & EXCEL
✅ GOOGLE SHEETS - you only need a Google account (Gmail) to use this template. It's FREE to use it, no software/programs required.
✅ EXCEL - only compatible with the latest version of Excel. Older Excel versions are not supported.

AFTER YOUR PURCHASE
✓ Here is a helpful guide on how to access your digital download from Etsy: https://help.etsy.com/hc/en-us/articles/115013328108-Downloading-a-Digital-Item?segment=shopping
✓ You will receive 2 digital files: PDF file with a link to the Google Sheets template and an Excel file.
✓ Inside your spreadsheet you can find the instructions on how to use your template - go to the first sheet/ tab called 'Instructions'.
✓ Please message me on Etsy if you have any other questions!

PLEASE READ:
✓ DIGITAL PRODUCT - This is an instant digital download; no physical product will be shipped to you.
✓ REFUNDS POLICY - No refunds, exchanges, or cancellations on digital purchases.
✓ COPYRIGHT - This product is for personal use only. It is prohibited to resell, share or reproduce this product for commercial use with or without modifications.
✓ FOR INFORMATION ONLY - Please understand that while every care and consideration has been taken to ensure the data expressed in this product is accurate, JRen Digital is not responsible or liable for any specific tax or legal liability or advice. We suggest you do your own research on such matters and if needed contact a licensed professional before making any financial decisions. Under no circumstances can or will JRen Digital be held responsible for any costs, losses, damage or injuries (directly or including without limitation indirect loss or damages) that result from the use of this product.

----------------------------------------------------

Please don't hesitate to message me if you have any questions :) Thanks so much for your support!

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What buyers say

Summarised by AI from all item reviews

4.8 (618)
Easy to use Love it Great quality Helpful seller As described Clear instructions Looks great
View all item reviews

NowPrice:CA$7.22

Original Price: CA$14.43

50% off

•

Sale ends in 4:28:34

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Reviews for this item

4.8

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience.

(618 reviews)

4.9 Item quality
4.9 Delivery
5.0 Customer service
96% Buyers recommend

What buyers say

Summarised by AI from all item reviews

Easy to use Love it Great quality Helpful seller As described Clear instructions Looks great

Filter by category
5 out of 5 stars 5

John 20 Jul, 2026

This works perfectly! The video instructions really help how to begin using this. I had a few questions, and she answered quickly with the answers. FYI: If you plan on using Google Sheets instead of Excel, you MUST use the link provided in the pdf file for that version. It will not work correctly if you try to import the Excel version into Google Sheets.

John 20 Jul, 2026

5 out of 5 stars 5

Rickey 20 Jul, 2026

Great customer service, recommended seller

Rickey 20 Jul, 2026

5 out of 5 stars 5

Sean 10 Jul, 2026

Exactly as advertised, no issues

Sean 10 Jul, 2026

Response from Ren Ren

So glad to hear that! Thanks for the review

5 out of 5 stars 5

Alexandra 05 Jul, 2026

Great program. Easy to use.

Alexandra 05 Jul, 2026

Response from Ren Ren

So glad you're finding it easy to use. Let me know if you have any questions :)

Photos from reviews

Meet your seller

JrenDigital
Ren Ren
JrenDigital ·

Australia

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 4.8
·
79.8k sales
·
3 years on Etsy

Usually responds in a few hours

Speedy replies Has a history of replying to messages quickly.

Rave reviews Average review rating is 4.8 or higher.

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Buy together, get 60% off

Bundle price: CA$11.54

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

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

Sale Price CA$5.77

Original Price CA$14.43

60% off "buy together" offer

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Debt-Free Planner Snowball, Avalanche, Custom, Credit Score Focus | Loan Tracker, Credit Card, Student Loan | Google Sheets Excel Dark Mode

Debt-Free Planner Snowball, Avalanche, Custom, Credit Score Focus | Loan Tracker, Credit Card, Student Loan | Google Sheets Excel Dark Mode

Sale Price CA$5.77

Original Price CA$14.43

60% off "buy together" offer

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

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

Sale Price CA$5.77

Original Price CA$14.43

60% off "buy together" offer

Digital Download

Debt-Free Planner Snowball, Avalanche, Custom, Credit Score Focus | Loan Tracker, Credit Card, Student Loan | Google Sheets Excel Dark Mode

Debt-Free Planner Snowball, Avalanche, Custom, Credit Score Focus | Loan Tracker, Credit Card, Student Loan | Google Sheets Excel Dark Mode

Sale Price CA$5.77

Original Price CA$14.43

60% off "buy together" offer

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Listed on 21 Jul, 2026
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