Stop guessing when you’ll be debt-free. Know your projected payoff date — and exactly how much interest you could save along the way.

Most debt trackers are simple planners. This one is built with an auditor-style approach: structured records, clear calculations, and monthly reconciliation. Enter your balances, APRs, minimum payments, and extra payment amount once, and the spreadsheet does the rest.

What’s Included:

• Debt Inventory — Track every credit card and loan in one place.
• Avalanche or Snowball — Choose highest-APR-first to prioritize interest savings, or smallest-balance-first for quick wins.
• 60-Month Payoff Schedule — See a detailed payment simulation with extra payments redirected as debts hit zero.
• Dashboard — View your debt-free date, total interest paid, and estimated savings versus minimums.
• 24-Month Audit Log — Compare planned vs. actual payments month by month.

Example: A $4,500 balance at 24.99% APR takes ~67 months and ~$3,900 in interest with minimums. Adding $150/month cuts it to ~21 months and ~$1,060 in interest — saving $2,840.

Works with Microsoft Excel and Google Sheets. Instant digital download.

Educational planning tool only. Not financial advice.