• May include: A digital debt payoff tracker spreadsheet for Excel and Google Sheets featuring light and dark mode monthly dashboards with auto formulas, debt summary tables, pie charts, and bar graphs to monitor financial progress and balances.
  • May include: A digital debt payoff tracker spreadsheet for Excel and Google Sheets featuring light and dark mode monthly dashboards. The interface displays financial data, debt balances, payment logs, donut charts, and bar graphs with the text Debt Payoff Tracker, Spreadsheet for Excel and Google Sheets, Instant Download, Light + Dark, Auto Formulas, and BrightCellPlanners.
  • May include: A digital debt payoff tracker spreadsheet featuring a monthly dashboard with progress charts, payment logs, and tabs for snowball, avalanche, and custom focus plans. The interface displays debt balances, interest rates, and payment status.
  • May include: A digital monthly debt dashboard template featuring two color themes: light mode with a white background and dark mode with a black background. Both versions display financial data, debt tables, and circular charts labeled Monthly Dashboard.
  • May include: A digital monthly dashboard interface featuring two color themes, light and dark. The layout includes financial tracking tables for debts, balance summaries, and donut charts. Text includes Everything at a Glance, Monthly Dashboard, and BrightCellPlanners.
  • May include: A digital debt payoff tracker interface titled Avalanche, featuring a light mode dashboard with a bar chart showing balance reduction over time, a payoff schedule table, and summary metrics for debt-free date and total interest.
  • May include: A digital Payment Log debt payoff tracker spreadsheet interface. The header displays Payment Log, Today Tue, Oct 13, 2026, and navigation tabs. A table lists Date Paid, Debt, Amount, Note, and Month for various financial entries.
  • May include: A digital debt payoff tracker spreadsheet titled Setup and Compare. The interface features tables for debt details, plan settings, and strategy comparisons, alongside bar and line charts visualizing interest and total balance over time.
  • May include: A digital debt payoff tracker dashboard titled Snowball in light mode. The interface displays financial metrics including debt-free date, total interest, and total paid, alongside a bar chart and a detailed monthly payoff schedule.
  • May include: A digital download list titled What's Included featuring BrightCellPlanners_Debt_Payoff_Tracker_Bundle.zip, BrightCellPlanners_Debt_Payoff_Tracker_Dark.xlsx, BrightCellPlanners_Debt_Payoff_Tracker_Light.xlsx, and a How-to-use PDF guide.
  • May include: A digital spreadsheet template featuring the text Works in Excel + Google Sheets, No special skills needed. Two green boxes label Microsoft Excel 2016+ and Microsoft 365, and Google Sheets. A Monthly Dashboard preview is shown below.
  • May include: A digital debt payoff tracker spreadsheet for Excel and Google Sheets featuring light and dark mode monthly dashboards with auto formulas, debt summary tables, pie charts, and bar graphs to monitor financial progress and balances.
  • Product video
  • May include: A digital debt payoff tracker spreadsheet for Excel and Google Sheets featuring light and dark mode monthly dashboards. The interface displays financial data, debt balances, payment logs, donut charts, and bar graphs with the text Debt Payoff Tracker, Spreadsheet for Excel and Google Sheets, Instant Download, Light + Dark, Auto Formulas, and BrightCellPlanners.
  • May include: A digital debt payoff tracker spreadsheet featuring a monthly dashboard with progress charts, payment logs, and tabs for snowball, avalanche, and custom focus plans. The interface displays debt balances, interest rates, and payment status.
  • May include: A digital monthly debt dashboard template featuring two color themes: light mode with a white background and dark mode with a black background. Both versions display financial data, debt tables, and circular charts labeled Monthly Dashboard.
  • May include: A digital monthly dashboard interface featuring two color themes, light and dark. The layout includes financial tracking tables for debts, balance summaries, and donut charts. Text includes Everything at a Glance, Monthly Dashboard, and BrightCellPlanners.
  • May include: A digital debt payoff tracker interface titled Avalanche, featuring a light mode dashboard with a bar chart showing balance reduction over time, a payoff schedule table, and summary metrics for debt-free date and total interest.
  • May include: A digital Payment Log debt payoff tracker spreadsheet interface. The header displays Payment Log, Today Tue, Oct 13, 2026, and navigation tabs. A table lists Date Paid, Debt, Amount, Note, and Month for various financial entries.
  • May include: A digital debt payoff tracker spreadsheet titled Setup and Compare. The interface features tables for debt details, plan settings, and strategy comparisons, alongside bar and line charts visualizing interest and total balance over time.
  • May include: A digital debt payoff tracker dashboard titled Snowball in light mode. The interface displays financial metrics including debt-free date, total interest, and total paid, alongside a bar chart and a detailed monthly payoff schedule.
  • May include: A digital download list titled What's Included featuring BrightCellPlanners_Debt_Payoff_Tracker_Bundle.zip, BrightCellPlanners_Debt_Payoff_Tracker_Dark.xlsx, BrightCellPlanners_Debt_Payoff_Tracker_Light.xlsx, and a How-to-use PDF guide.
  • May include: A digital spreadsheet template featuring the text Works in Excel + Google Sheets, No special skills needed. Two green boxes label Microsoft Excel 2016+ and Microsoft 365, and Google Sheets. A Monthly Dashboard preview is shown below.
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Debt Payoff Tracker Spreadsheet for Excel & Google Sheets - Payment Log

Item highlights

  • Digital download
  • Digital file type(s): 1 ZIP
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Price:$9.99

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Delivery

Instant download

Your files will be available to download once payment is confirmed. Here's how.

Instant download items don't accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

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Specifications

May include: A digital debt payoff tracker spreadsheet for Excel and Google Sheets featuring light and dark mode monthly dashboards with auto formulas, debt summary tables, pie charts, and bar graphs to monitor financial progress and balances.

Become debt free faster: compare snowball, avalanche and custom plans and log every payment.

INSTANT DIGITAL DOWNLOAD: Debt Payoff Tracker spreadsheet by BrightCellPlanners. Works in Microsoft Excel 2016+ / Microsoft 365 and Google Sheets.

FEATURES
- Setup and Compare tab showing payoff date and interest for each method
- Snowball and Avalanche payoff plans
- Custom Focus plan
- Monthly Dashboard with progress charts
- Payment log
- Light mode and dark mode versions
- Automatic formulas and charts, no spreadsheet skills needed
- Filled-in SAMPLE files so you can see it in action

WHAT YOU GET (one ZIP file)
- BrightCellPlanners_Debt_Payoff_Tracker_Dark.xlsx
- BrightCellPlanners_Debt_Payoff_Tracker_Light.xlsx
- BrightCellPlanners_Debt_Payoff_Tracker_SAMPLE_Dark.xlsx
- BrightCellPlanners_Debt_Payoff_Tracker_SAMPLE_Light.xlsx
- How-to-use PDF guide (How-to-Use_Debt-Payoff-Tracker_BrightCellPlanners.pdf)

HOW IT WORKS
1. After purchase, download the ZIP from your Etsy Purchases page and unzip it.
2. Open the .xlsx file in Excel 2016+ or Microsoft 365, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows how).
3. Fill in the Setup tab and start planning.

PLEASE NOTE
- This is an instant digital download. No physical item will be shipped.
- Requires Microsoft Excel 2016+ / Microsoft 365 (desktop) or a free Google account for Google Sheets. Not designed for Apple Numbers.
- Colors may look slightly different on different screens.
- Due to the digital nature of this product, returns are not accepted, but I am always happy to help.

LICENSE
- Personal use or use in your own business only. Do not share, resell or redistribute the files.

Questions or need help? Message BrightCellPlanStudio on Etsy anytime.

Designed by me with the help of AI tools.

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Listed on Oct 14, 2026
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