Free printable
Free debt payoff tracker (PDF)
Print it, fill in your debts, and color your way to zero. No email, no sign-up.
Free sample · 3 pages
- My Debts list. Every balance, APR, minimum and due day in one place.
- Debt payoff coloring chart. 100 circles, 1% each, with 25/50/75% milestones.
- Debt-free countdown. 60 months to cross off, one payment at a time.
Full planner · 15 pages
- Snowball and avalanche order worksheets
- Monthly budget to find your extra payment
- 6 debt trackers and a monthly check-in log
- Interest cheat sheet with real payoff math
- Emergency fund tracker, milestones and notes
- Letter and A4 sizes
Coming soon.
How to use it
List every debt with its balance and APR. Pick an order: smallest balance first (snowball) or highest APR first (avalanche). Pay the minimum on everything and put every extra dollar on the first debt. Each time the total falls by 1%, color a circle. Not sure what payment gets you there? The payoff tables show the monthly payment for 1 to 5 years at common APRs.
Free calculators
Debt Snowball CalculatorPay the smallest balance first and see your debt-free date.Open calculator Debt Avalanche CalculatorPay the highest APR first and compare the interest you save.Open calculator Credit Card Payoff CalculatorOne card, one payment: how long it takes and what it costs.Open calculator Credit Card Payoff TablesPick your balance and APR to see payment options and payoff dates.Open calculator Credit Score SimulatorAnswer 5 questions for an educational score estimate.Open calculator