Debt Payoff Tracker

A debt snowball and avalanche tracker that ranks your payoff order for you — and shows exactly how much is left on every balance. No formulas to build, no setup beyond listing your debts once.

Auto-ranked order — Snowball (smallest balance first) and Avalanche (highest interest first), calculated automatically
Payment log — 400 rows, split into principal and interest so you can see what's actually shrinking the balance
Automatic dashboard — total remaining debt, total paid, total interest paid and a monthly chart
Debts paid off — one number that climbs every time a balance hits zero
Per-debt breakdown — remaining balance and % paid off across up to 12 debts

Get it for $9 →

Instant download · Excel, Google Sheets, LibreOffice & Numbers · Secure checkout via Gumroad

Debt Payoff Tracker dashboard preview with remaining debt, paid to date and debts paid off tiles

See inside the workbook

This is the Dashboard sheet — it fills in automatically as you log payments. Nothing to build.

Debt Payoff Tracker.xlsx — Dashboard

Total Remaining Debt$21,400

Total Paid To Date$8,600

Debts Paid Off1 / 3

Total Interest Paid$1,180

Monthly payments · Jan–Aug

Date	Debt	Payment	Principal	Interest
Aug 02	Chase Sapphire Card	$300	$212	$88
Aug 09	Toyota Camry Loan	$260	$196	$64
Aug 15	Federal Student Loan	$210	$115	$95

Settings and Payment Log use dropdowns and pre-built formulas — the dashboard and payoff order update instantly.

How it works

1. List your debts

Open Settings and add each debt's name, starting balance, interest rate and minimum payment — Snowball and Avalanche order fill in automatically.

2. Log as you go

Every payment gets one row in Payment Log: date, debt, amount, and how much went to principal vs. interest.

3. Read the dashboard

Total remaining debt, total paid, total interest paid, debts paid off and a per-debt breakdown — all computed automatically.

Questions

Does it work in Google Sheets?

Yes. Upload the file to Google Drive or use File → Import in Sheets. All formulas, dropdowns and the chart carry over.

Is this a subscription?

No — one payment, the file is yours forever. Keep logging until every balance hits zero.

Does it tell me whether to use Snowball or Avalanche?

It calculates both payoff orders automatically from the balances and interest rates you enter, so you can compare and pick whichever keeps you motivated.

How many debts and payments does it hold?

Up to 12 debts in Settings, each with its own line in the per-debt breakdown, and 400 rows in the Payment Log — plenty for years of payments.