Download Now
Lifetime Access
Easy To Use
After your purchase, you will receive an email containing the link to your Debt Payoff Tracker. By clicking on it, you will be redirected to the store's website, where you will be prompted to download the Debt Payoff Tracker. Once that is done, you will be able to use your product — your Debt Payoff Tracker.
If you are using a computer, which is much more convenient, you will still receive the same email. You will click on the link, which will take you to the store's page, where you will download the Debt Payoff Tracker. After that, you can use it smoothly on Google Sheets, with no additional costs compared to Excel.
1. DASHBOARD
Your whole payoff journey in one view — see total debt, remaining balance, interest paid, and your progress with clean automatic charts.
✓ See your total debt and remaining balance at a glance
✓ Track interest paid and percentage paid off automatically
✓ Visual charts update on their own as you log payments
2. DEBT SETUP
List every debt in one organized place — balances, interest rates, and minimum payments — and let the tracker keep your balances current.
✓ Add all your debts in one simple, clear table
✓ Current balances update automatically from your payments
✓ See each debt's payoff progress at a glance
3. PAYMENT LOG
Record each payment in seconds — the tracker splits principal from interest and lowers your balance for you, so you always know where you stand.
✓ Log every payment quickly and easily
✓ Principal and interest are split out automatically
✓ See exactly how much you've paid toward each debt
4. PAYOFF PLAN
Choose Snowball or Avalanche, add any extra payment, and instantly see which debt to attack first — plus your estimated debt-free date.
✓ Pick Snowball or Avalanche with one click
✓ Instantly see which debt to pay off first
✓ Get your estimated months until debt-free
5. LISTS
Simple built-in dropdowns make the tracker fast and error-free — just select instead of typing.
✓ Pick debt types, strategy, month, and year from menus
✓ No typing mistakes — just select and go
✓ Keeps your whole tracker clean and consistent
Download the file after purchase.
Go to Google Drive (drive.google.com) and sign in with your free Google account.
Click "+ New" → "File upload" and select the downloaded file.
Double-click the file, then choose "Open with → Google Sheets."
Go to "File → Save as Google Sheets" to make it your own editable copy.
That's it — no Excel needed.
Most free tools lack the automated visualization and strategy comparisons needed to stay motivated. This professional-grade command center offers a one-time investment with no recurring fees. It provides a level of detail and psychological 'wins' that simple spreadsheets just cannot match for long-term success.
Your privacy is our priority. Unlike subscription-based apps that require linking your sensitive bank logins, this tool works entirely locally. You have total control over your data, ensuring no third parties ever see your balances while you build your plan with complete peace of mind.
Yes! Our dual-strategy engine lets you toggle between the Snowball method for quick psychological wins and the Avalanche method for maximum interest savings. You can instantly compare both strategies to see which one gets you to your 'Debt-Free Date' the fastest based on your goals.
