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Preview on US Letter in the Vintage style. The PDF uses exactly the same drawing.

Money

Printable Debt Payoff Tracker

A debt payoff worksheet for the snowball or avalanche method: list every debt, number the order you will pay them off, color a box for each 10% you pay down and log every payment with the new balance.

Customize This Template Download a free PDF

What you can customize

  • Debts
  • Progress bars
  • Currency symbol

Works well in

All page sizes, from Passport to A4

Try it in another style

Start from a preset

  • Debt snowball tracker, 6 debts, US Letter Debt list, progress bars and payment log in dollars. Open in the maker →
  • Credit card payoff, 3 debts, US Letter Fewer rows, so the payment log gets more space. Open in the maker →
  • Full debt list, 10 debts, US Letter Student loans, car loan, cards and medical bills on one page. Open in the maker →
  • Debt payoff log, A5 booklet A small notebook with more pages for the payment log. Open in the maker →

What’s on the debt payoff tracker

  • Debt list: order, debt, balance, rate %, minimum payment and a Done box, with 2 to 10 rows.
  • Progress: a row of ten boxes per debt, each worth 10% of what you owed at the start.
  • Payment log: date, debt, payment and new balance in shaded rows that fill the rest of the page.

Set the number of Debts, the Currency symbol and whether to show Progress bars in the maker. Keep the first page as your plan and add more pages for the payment log as the months go by.

Printing it

  1. Use the Letter preset and Download PDF → Reading order. Two pages give you the plan plus a spare log page.
  2. For a pocket notebook, choose A5 and Print-ready booklet, print double-sided, fold and staple.
  3. Print at 100% (Actual size) and keep the sheets with your monthly bills.

Free sample PDFs

Print at 100% (actual size). Made with the same engine as the maker, so the spacing is exact.

  • Debt Payoff Tracker, US Letter (1 page) PDF ↓
  • Debt Payoff Tracker, A4 (1 page) PDF ↓

Frequently asked questions

How do I use this for the debt snowball?

List all your debts, then write 1 in the Order column next to the smallest balance, 2 next to the next smallest, and so on. Pay the minimum on everything and put any extra money toward debt number 1. When it is paid off, tick Done and move the money to number 2.

And for the debt avalanche?

Use the same sheet but number the debts by interest rate, highest first. The Rate % column makes the order easy to see.

What do the progress boxes mean?

Each debt has a row of ten boxes, and each box stands for 10% of its starting balance. Color one in every time the balance drops by another tenth. You can turn Progress bars off for a longer payment log.

Can I change the currency symbol?

Yes. Type any symbol of up to four characters, such as $, £ or CAD, or leave it empty. It appears in the balance, minimum payment, payment and new balance headings.

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