Debt Payoff Tracker Spreadsheet for Google Sheets | Dark Mode Template | Snowball Avalanche Credit Card Utilization Loan Repayment Planner

This is an automated debt payoff spreadsheet for Google Sheets, built in a dark theme for anyone paying down credit cards, loans and other balances at the same time. When you owe money in several places, the hard part is rarely making the payments — it is knowing which balance to clear first, how much to put against it, and whether any of it is actually moving you forward.

This loan payoff tracker gives you that exact clarity. Simply enter each account once, and it simulates your complete repayment plan, pay period by pay period, using the Debt Snowball, Debt Avalanche, a credit-score-focused strategy targeting high utilization, or your own custom ranking. It tells you precisely what to pay on every payday, tracks how much interest you'll pay, and turns your entire debt load into one clear goal: your debt-free date. Adjust a single number and the whole timeline rebuilds instantly, so you can see the real impact of a bonus, a lean month, or a new strategy before you commit.


🗂️ WHAT'S INCLUDED — 5 TABS + STEP-BY-STEP GUIDE

➤ ReadMe — Full instructions built into the spreadsheet, with an explainer and worked example for every payoff method, an FAQ, and a glossary of terms.

Tab to enter your data:
➤ Setup & Compare — Set your currency, repayment start date and pay cycle, then enter up to 50 debts: credit cards, personal loans, car loans, student loans, home loans, medical bills, store cards and buy-now-pay-later. It is the only typing you will ever do. Underneath, all three strategies are compared side by side, so you can see the total interest and debt-free date of each before you commit.

Tabs to run your payoff:
➤ Debt Snowball — Clears your smallest balance first for quick, motivating wins.
➤ Debt Avalanche — Targets your highest interest rate first for the lowest total interest cost.
➤ Credit Score Focus & Custom — Order your debts by credit utilization rate, by your own custom ranking, or by the order you entered them. Set a target utilization and the tab shows exactly how much you need to pay down to reach it.

Tab to track your month:
➤ Monthly Dashboard — Pick a strategy and a month, and see what you paid, what is still due, the interest charged, and where every account stands in that period.

Each strategy tab includes:
● An overview card with your debt-free date, months remaining, remaining balance, total interest, overall credit utilization and payoff progress.
● An individual card for every debt — payoff date, progress ring, current and starting balance, minimum payment, interest rate, total interest and credit limit.
● A full payment schedule with one row per pay period, running right through to your final payment.
● Two charts tracking your falling balance and how long each debt takes to clear.


⚙️ FEATURES

● Dark theme throughout — deep backgrounds, high-contrast figures and charts built to match, easy on the eyes for late-night sessions.
● Light theme included for free — switch whenever you prefer, at no extra cost.
● Fully automated — enter your debts once and every card, chart and payment schedule builds itself.
● Five ways to order your repayment: smallest balance, highest interest rate, highest credit utilization, your own custom ranking, or the order you entered.
● Up to 50 accounts tracked in one spreadsheet.
● Your current pay period is highlighted automatically, and past periods cross themselves out.
● A + / − column on every period, so a bonus or a tight month re-times the whole plan instantly.
● Credit utilization tracked card by card against a target rate you choose.
● Works with weekly, bi-weekly, semi-monthly or monthly pay cycles.
● Works in any currency — pick a symbol or type your own.
● Protected formulas so nothing breaks by accident.


🚀 WHAT IT GIVES YOU

✅ A debt-free date to aim for — the single most useful number when the balance feels endless.
✅ An answer every payday — open the sheet, find the highlighted row, pay those amounts.
✅ Proof a strategy is worth switching to — the exact interest and months you would save.
✅ Credit score progress you can see — utilization drops long before a card is fully cleared.
✅ Room to be human — pay extra one month, less the next, and watch the plan adjust.
✅ One file for every balance you owe, so you stop guessing and start counting down.


📥 WHAT YOU'LL RECEIVE — INSTANTLY

As soon as your purchase is complete, you will receive:
- A Quick-Start PDF with your private link to the Debt Payoff Tracker template for Google Sheets, in both dark and light themes.
- A PDF with a YouTube video tutorial link.

Find your download on your Etsy Purchases page here - https://www.etsy.com/your/purchases.
Shopping without an Etsy account? A download link will also be sent straight to your receipt email.


💻 WHAT YOU'LL NEED

● A free Google account.
● Basic computer skills.


⚠️ PLEASE NOTE

▪️Digital Download: INSTANT DIGITAL DOWNLOAD ONLY. No physical product will be shipped.

▪️Compatibility: This template is designed exclusively for Google Sheets; full functionality when exported to Microsoft Excel is not guaranteed.

▪️Designed for screen: The dark theme is built for on-screen use. If you plan to print, the included light theme is the better choice.

▪️Copyright: This design and spreadsheet are copyrighted by TabularMinds. Your purchase of this product is for personal use only; commercial or public use of any kind is strictly prohibited. You may not resell, share, reproduce, or distribute this product, either in part or in full, with or without modifications.

▪️Informational Use Only: TabularMinds does not provide financial, tax, or legal advice. Please do your own research and, if needed, contact a licensed financial advisor before making any financial decisions. Under no circumstances can or will TabularMinds or its owner be held responsible for any costs, losses, damages, or injuries (including, without limitation, direct, indirect, or consequential loss) resulting from the use of this spreadsheet.


💸 You're all set! That is it! Enjoy your Debt Payoff Tracker, and here's to the day you stop paying interest and start keeping your money.

💡 Need help? Feel free to message me here!