Free Debt Tracker & Payoff Calculator

You know you have debt. You just don’t know the full number.

This free tracker makes you face it — and then shows you exactly how to destroy it.

What’s inside — 3 tabs:

💳 Debt Tracker — List every debt in one place. Balance, interest rate, minimum payment. Totals auto-calculate. You’ll finally know your real number.

⚖️ Snowball vs Avalanche Calculator — Enter your extra monthly payment and see side-by-side exactly how many months and how much interest each method saves you. The spreadsheet tells you which one wins for YOUR debt.

📋 Start Here — Instructions so you’re up and running in under 5 minutes.

Works in Microsoft Excel AND Google Sheets (free). Both versions included.

No fluff. No upsell inside the file. Just the tool — and the truth about your debt.

Free Debt Tracker & Payoff Calculator

You know you have debt. You just don’t know the full number.

This free tracker makes you face it — and then shows you exactly how to destroy it.

What’s inside — 3 tabs:

💳 Debt Tracker — List every debt in one place. Balance, interest rate, minimum payment. Totals auto-calculate. You’ll finally know your real number.

📋 Start Here — Instructions so you’re up and running in under 5 minutes.

Works in Microsoft Excel AND Google Sheets (free). Both versions included.

No fluff. No upsell inside the file. Just the tool — and the truth about your debt.