💳 Debt Payoff Tracker
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💳 Debt Payoff Tracker
Destroy your debt step by step using the proven Snowball or Avalanche method. Enter your debts once — everything calculates automatically!
🚀 Quick Start (3 Steps)
Step 1 → Go to 💳 My Debts tab. Fill in your debt names, balances, interest rates, and minimum payments.
Step 2 → Go to ❄️ Snowball Plan or 🏔️ Avalanche Plan to see your payoff schedule.
Step 3 → Each month, go to 📅 Payment Log and record what you actually paid.
🎨 Color Guide
- 🔵 Blue cells = Enter YOUR numbers here
- ⚫ Black cells = Calculated automatically — do NOT change
- 🟢 Green cells = Linked from another tab
❄️ Snowball vs 🏔️ Avalanche
- Snowball: Pay smallest balance first. Fastest wins, builds motivation.
- Avalanche: Pay highest interest rate first. Saves the most money.
💡 Key Tips
- Pay at least the minimum on ALL debts every month.
- Put every extra dollar toward your priority debt.
- When one debt is paid off, roll its payment to the next!
⭐ If this tracker helps you, please leave a review on Etsy — it supports a small shop. Thank you! 💛
Extra Monthly Payment toward Priority Debt:
This amount goes on TOP of minimum payments toward your priority debt.
💳 Enter Your Debts (Blue = type here)
💡 Tip: Even $50 extra per month can save thousands in interest and months off your payoff time!
Balance by Debt
Interest Rate Comparison
Debt Summary Table
❄️
Snowball Method — Smallest Balance First
Extra payment goes to debt with smallest remaining balance.
❄️ Payoff Order & Milestones
Month-by-Month Schedule (first 24 months shown)
🏔️
Avalanche Method — Highest Interest Rate First
Extra payment goes to debt with highest interest rate.
🏔️ Payoff Order & Milestones
Month-by-Month Schedule (first 24 months shown)
📅 Monthly Payment Log — Record What You Actually Pay
💡 Enter the amount you actually paid each month. Compare with your planned minimum to track progress.