Debt Payoff Planner Google Sheets, ADHD Debt Snowball Avalanche Tracker, Debt Free Date Calculator, Colouring Pages, Stickers

✧ ADHD Debt Payoff Planner: Google Sheets + colour-in pack + 37 stickers + 12 sticky notes ✧

Type in your debts and your monthly budget. The sheet shows the date you'll be debt-free, which debt to focus on next, and how much interest you save compared with paying only the minimums. Built for ADHD brains that need to see progress to keep going.

WHAT'S INCLUDED
Google Sheets planner, in a light version and a dark version (you get both)
• Start Here: set up in 4 steps
• My Debts: up to 12 debts with balance, APR, minimum and due day. Balance now and a progress bar update as you log payments
• My Plan: your debt-free date, snowball vs avalanche vs minimums side by side (months and interest), and your payoff order with the one debt to focus on right now
• Payments: one line per payment. Everything else updates by itself
• Progress: a 100-square chart that fills in as you pay, milestones (10%, 25%, half way...), a bar for every debt and a list of small wins

BONUS COLOUR-IN PACK (printable PDF, also works in Goodnotes)
• 100-square payoff chart
• Debt thermometers, one per debt
• Payoff ladder
• Monthly check-in with a bare-minimum box for hard months
• No-spend days tracker
• A "Paid off." page to finish on

37 STICKERS + 12 STICKY NOTES
• 30 illustrated stickers in calm, neutral colours: PAID OFF, DEBT-FREE, Halfway, 10% / 25% / 75% gone, Paid on time, Extra payment, No-spend day, Payday, Autopay is on, Called about my rate, Snowball, Avalanche, Focus debt, piggy bank, confetti, washi tape and more
• 7 blank write-on labels (badge, tag, tab, banner, speech bubble) with lines to write on in Goodnotes with a stylus, or by hand when printed
• 12 sticky notes for Goodnotes: Pay this first, Don't forget, This month's one thing, Call about, Wins this month, Top 3, Brain dump, Payday plan, plus 4 blank ones. Lines are spaced for stylus handwriting
• Transparent PNGs for Goodnotes and other digital planners, a printable sticker book, and a template to print onto real 3 x 3 in sticky notes

WHY IT WORKS FOR AN ADHD BRAIN
• One number to look at: your debt-free date
• One debt to focus on, shown with an arrow. No deciding every month
• Snowball gives you quick wins. Avalanche saves the most interest. The sheet shows both so you can pick
• Colour something in every time you pay. Seeing it fill up keeps you going
• No catching up. Missed a month? Log the next payment and carry on

HOW YOU GET IT
1. Buy and download the files (1-page PDF with your links, colour-in pack, sticker book, sticky-note print template, sticker + sticky-note PNGs)
2. Click the link for the light or dark version (or both)
3. Click Make a copy. It saves to your Google Drive and is private to you
4. Open Start Here

WHAT YOU NEED
• A free Google account
• A computer, tablet or phone (the free Google Sheets app works for logging payments)
• A printer or Goodnotes for the bonus pages (optional). Sticker paper if you want to print the stickers

GOOD TO KNOW
• Digital download. Nothing will be shipped
• Made for Google Sheets. It isn't built for Excel or Numbers
• The numbers in the photos are examples. Your copy starts blank
• Dates are estimates based on what you enter. A planning tool, not financial advice
• Never type card numbers or passwords into any spreadsheet
• Not affiliated with Google
• For personal use only. Please don't share the copy links

Questions? Message me and I'll help you get set up.

Created by Everward Studio for minds that need a little extra structure.