Debt Payoff Tracker, Debt Snowball, Loan Tracker, Credit Card Payoff, Google Sheets and Excel

See the month your last debt is gone. List your cards and loans, pick the debt snowball or debt avalanche, and this spreadsheet works out your payoff order, your estimated debt-free date and the interest you could save compared with paying minimums only. Log each payment and watch every balance shrink. Works in the US, Australia, the UK, Canada, New Zealand and anywhere else. Excel + Google Sheets.

WHY YOU'LL LOVE IT
• A real finish line: your estimated debt-free date, and how many months sooner it is than paying minimums only
• Debt snowball (smallest balance first), debt avalanche (highest rate first) or your own order, switch any time
• Every extra bit counts: type what you can add each month on top of your minimums and watch the date move
• When a debt is cleared, its payment rolls on to the next one automatically
• Works where you live: pick your country and the money symbol, dates and words follow

WHAT'S INSIDE
• Dashboard: 6 KPI cards (starting balance, paid so far, interest + fees, balance left, debt-free by, interest saved), 3 progress bars and 4 charts
• Setup: country, payoff method, extra each month and plan start month
• Debts: up to 15 debts with balance, rate, minimum, due day, order, % paid, a progress bar and a status note
• Payments: 500 rows for payments and any interest or fees added, with a check column that flags a missing date or a debt name that isn't on Debts
• Payoff Plan: your order, paid-off date for each debt, and a month by month schedule up to 30 years ahead
• Start Here, plus a Quick-Start PDF (US Letter and A4)

PAID BIWEEKLY OR BY PAYCHECK?
• The plan works by the month. Add up what you can spare from each paycheck that month and type it as your extra
• Log every payment on its real date, whenever you pay

WORKS IN YOUR COUNTRY
• Pick United States, Australia, United Kingdom, Canada, New Zealand or Other on Setup
• The currency symbol, date style and words follow it (for example Payment and APR in the US, Repayment and Interest % p.a. in Australia and New Zealand)
• Any other currency: pick Other and type your own symbol, before or after the amount

WORKS WITH
• Microsoft Excel 2016 or later, or Microsoft 365: download the .xlsx and open it. Desktop recommended.
• Google Sheets: upload the .xlsx to your Google Drive, open it, then choose File > Save as Google Sheets. Free Google account, any browser. The Quick-Start shows each step.
• Dashboard and Payoff Plan are protected without a password in Excel so formulas aren't overwritten by accident. Google Sheets doesn't keep this, so take care with shaded cells there.
• No macros, no add-ons. Starts blank.

BONUS: PRINTABLE DEBT TRACKER
• 11-page fillable PDF in A4 and US Letter: debt overview (up to 10 debts), payoff order planner, 6 debt trackers with progress bars, monthly payment logs, a 100-box progress chart and milestones
• Print it, or type into it in a PDF app that supports forms (for example Adobe Acrobat Reader). Some browser and preview apps don't save form fields.

WHO IT'S FOR
• Anyone paying off credit cards, car loans, student loans, personal loans or buy now, pay later
• People who want a clear plan and a date to aim for
• Couples working on debt together in one file

NOT FOR
• Exact lender figures: plan dates and interest are estimates
• Mortgage amortization schedules for a lender
• Debt consolidation or personal financial advice
• Bank feeds or automatic imports

HOW TO USE
1. Open the .xlsx in Excel, or upload it to Google Drive and save it as Google Sheets.
2. On Setup, pick your country, then your payoff method and any extra each month.
3. On Debts, list each debt: balance, rate, minimum and due day.
4. Log each payment on Payments.
5. Check the Dashboard and Payoff Plan to see your debt-free date.

READY FOR MORE?
• Monthly Budget + Bill Tracker
https://www.etsy.com/ca/listing/4587589473/monthly-budget-planner-printable-bill
• Savings Tracker
https://www.etsy.com/ca/listing/4587591095/savings-challenge-printable-52-week
• Budget Planner Bundle
https://www.etsy.com/ca/listing/4587591303/budget-planner-bundle-printable-monthly

FILES (INSTANT DOWNLOAD)
• SlateAndTally-Debt-Payoff-Tracker.xlsx
• SlateAndTally-Debt-Payoff-Tracker-Quick-Start-Letter.pdf
• SlateAndTally-Debt-Payoff-Tracker-Quick-Start-A4.pdf
• Bonus: SlateAndTally-Debt-Payoff-Tracker.pdf (A4) and SlateAndTally-Debt-Payoff-Tracker-Letter.pdf
• Digital download: nothing physical is shipped. Your files are under Purchases once payment is confirmed.