Debt Payoff Tracker
The month you are debt free, and what it costs to get there.
A debt payoff spreadsheet for anyone carrying several balances at once who wants to see whether snowball or avalanche finishes sooner, before committing to either.
Debt Payoff Tracker is a 7-tab Excel and Google Sheets workbook. 3 you type into, 2 calculated from those and 2 you set once. No macros, so it opens without a security warning.
- Dashboard Payoff date, total interest and progress, calculated from the debts and payments.
- Payoff Plan Month by month to zero, for the method you picked: opening balance, interest added, paid, closing.
- Payments The one tab you type in month to month. Date paid, which debt, how much. Room for 300.
Filed under personal finance.
6 of the 7 tabs, exactly as they look in the file. Click a tab to look inside.
Sound familiar?
What's inside, tab by tab
You only ever type in the highlighted input cells. Everything else is calculated from what you type.
| Tab | What you do | What it does |
|---|---|---|
| Tab 1Start Here | Set once, never again | A one page setup guide inside the workbook. Enter your basics once, in about 5 to 10 minutes. |
| Tab 2Dashboard | Calculated for you | Payoff date, total interest and progress, calculated from the debts and payments. |
| Tab 3Payoff Plan | Calculated for you | Month by month to zero, for the method you picked: opening balance, interest added, paid, closing. |
| Tab 4Payments | You type here | The one tab you type in month to month. Date paid, which debt, how much. Room for 300. |
| Tab 5Debts | You type here | One row per debt: balance, interest rate, minimum payment and your own payoff order. |
| Tab 6Date Fixer | You type here | Paste dates that came out of your bank in the wrong format and copy back the corrected column. |
| Tab 7Settings & Lists | Set once, never again | Currency, method and labels. Change them once and the whole workbook follows. |
Want one quick number first? The free debt payoff calculator shows your debt-free date and total interest. It runs in your browser, no sign-up.
Built like software, priced like a spreadsheet
Enter your data; totals, flags and the dashboard update instantly.
Checked cell by cell before release. Find one and we will fix it.
Formula cells are protected. You can only type where typing is safe.
Both versions in every purchase. No converting, no broken references.
Clean report pages for your records, your accountant, or your next meeting.
Delivered by Etsy the moment you pay. Free updates to this template forever.
How it works
Secure checkout through Etsy, no account needed here.
The Excel file and the Google Sheets link arrive immediately.
Type into the highlighted cells and every total is calculated from what you typed.
Questions, answered
Do I need a paid Excel version?
Any desktop Excel from 2016 onward works, including Microsoft 365. If you don’t have Excel at all, use the included Google Sheets version. It’s free.
Does it fully work in Google Sheets?
Yes. The Google Sheets version is made from the same file as the Excel one and checked in Google Sheets before release. Every formula uses functions that work the same in both.
Is this a one-time purchase?
Yes. One payment, no subscription. You keep the files forever and get free updates to this template.
What does it not do?
It does not connect to your bank or import statements: you type the balances and payments in. It is not a budget, so it will not plan where the rest of your money goes. It works out the math and shows you the trade-off, but it cannot tell you what to do, and none of it is financial advice.
What’s the refund policy?
Refunds follow Etsy’s rules for digital downloads. If a template doesn’t work as described, email support@elecart.us and we will fix it.
What if I get stuck?
Email support@elecart.us and the person who built the template answers, usually within one business day. Etsy Messages works too.
How much data can it handle?
Input tabs are sized generously and tested with full sample data: enough for years of typical use. Need more room? Duplicate the file per year, or email support for an extended version.
The month you are debt free, and what it costs to get there.
$3.29, once, 70% off until Nov 28. Yours forever, with free updates.
Get it on Etsy →Also in Personal Finance
