Free printable debt payoff tracker

This free printable debt payoff tracker puts every debt you owe on one page, next to a log of every payment you make. It is built for the moment most people get stuck: you know you owe money, but the total feels too big to look at. Writing it down on paper makes it a list instead of a cloud.

What is on the page

• A debt list. Name, balance, interest rate (APR) and minimum payment for up to six debts, plus an “Order” column for the payoff sequence you choose.
• A payment log. Twelve rows for month, which debt you paid, how much, and the new balance. One page covers a full year of payments.
• A pick-your-pace example. How long $5,000 at 22% takes at $150, $200 and $300 a month, so you can see what a little extra does.

How to use it

1. Fill in the debt list first. Use your latest statements so the balances and rates are exact.
2. Choose an order. Smallest balance first (the snowball) gives you quick wins; highest interest first (the avalanche) costs less overall. Either works if you stick with it.
3. Pay the minimum on everything, then put every extra dollar toward debt number 1.
4. Log each payment the day you make it and write the new balance. When a debt hits zero, cross it out and roll its payment into the next one.

Make it stick

Keep the tracker somewhere you will see it, like the fridge or inside your bill folder. The payment log matters more than it looks: people who can see their balance dropping are far more likely to keep going when a month gets tight. If you miss a month, do not start over; write the next payment on the next line and keep moving.

Not sure which order fits you? The guide to choosing between the snowball and avalanche methods walks through both with real numbers.