Debt Payoff Tracker Google Sheets Template — See Your Exact Debt-Free Date

Track every payment, crush no-spend streaks, and see your exact debt-free date — this Debt Payoff Tracker Google Sheets template recalculates your payoff timeline, interest saved, and ROI live as you log each payment.

✨ Built-in AI assistant — ask questions, auto-fill & analyze (free trial requests included, then a subscription).
Chat in plain language to explain any cell and its formula. Run commands like 'sum column C', 'fill the next row', or 'color row 1 gold' without breaking formulas. Scan your workbook, attach a screenshot and it reads it, or use one-click presets tailored to this template. Tools tab includes Analyze All My Data for a full report on a new sheet, plus Auto-Fit columns. Translate every label, build an infographic, pick a tone (Friendly, Professional, Concise), and apply Smart Styling. Pro unlocks native charts, forecasts, and a full multi-page report.

📋 What's inside:
• 📅 Payment Log — record every debt payment with date, amount, and which account, all feeding your live dashboard
• 📊 Payoff Dashboard — see payoff timelines, snowball rankings, interest saved, and ROI update instantly
• 🏠 Dashboard — track no-spend day streaks, view streak stats, and monitor overall progress at a glance

⭐ Features:
• Auto-calculating payoff dates and interest savings — no manual math
• Snowball rankings so you always attack the right debt first
• No-spend streak counter with daily logging
• Live charts and conditional formatting for visual progress
• Dropdown menus and built-in instructions for easy setup
• Works on desktop, tablet, or phone

⚙️ How it works:
1. Purchase and open the link in the confirmation email
2. Click File ▸ Make a copy to save it to your Google Drive
3. Start logging payments and no-spend days — everything updates automatically

Works in Google Sheets on any device with a free Google account. Instant digital download — start paying off debt today.

— Version 1.2 · updated 2026-06-25 —