Debt
Debt Payoff
Snowball or avalanche plan and a monthly debt payment log.
- Debt Snowball / Avalanche Plan2 pages
- Debt Paymentsevery month
Money & health
Debt Payoff Planner 2027 with a snowball or avalanche plan
A debt payoff tracker, printable or digital: a snowball or avalanche plan, a monthly debt payment log, colour-in payoff trackers and a monthly budget to find the extra money.
A debt payoff planner with a snowball or avalanche plan for up to ten debts, a debt payment log for every month, debt payoff pages to colour in, a monthly budget, expense log and bill tracker, and savings pages for an emergency fund so new debt doesn't creep back.
- 136 linked pages in the sample
- Free preview before you pay
- $12 once, or unlimited on Pro
Real pages from this debt payoff planner
Rendered by the same engine that builds yours, in the Terracotta Sun theme for iPad portrait.
What's inside
The pages, section by section.
Each section gets its own side tab. You can switch any of them off, or add sections from other planners, in the builder.
Money
Budget
Monthly budget, expense log and bill tracker.
- Monthly Budgetevery month
- Expense Logevery month
- Bill Trackerevery month
Save
Savings & Debt
Savings trackers, sinking funds, debt payoff, no-spend.
- Savings Tracker4 pages
- Sinking Funds1 page
- Debt Payoff2 pages
- No-Spend Challenge3 pages
- Subscriptions1 page
- Net Worth Snapshot4 pages
Plus the linked calendar every planner has
Cover and contents · 2 pages
A cover with your name and a linked contents page that every tab returns to.
Year overview · 1 page
The whole year on one page. Tap any date to open it.
Year goals · 1 page
Your goals and their milestones in one place, filled in by the AI if you use it.
Monthly calendars · every month
A month grid with a focus list and notes. Every date links to its day or week.
Weekly pages · every week
One page per week with your weekly goal actions and priorities.
Notes · 20 pages
Lined, dotted, grid or blank pages. You choose how many, up to 100.
The sample above comes to 136 pages over 12 months. Yours changes with the months, sections and notes pages you choose.
Who it's for
Who reaches for this one
- Anyone paying off credit cards, loans or overdrafts
- Couples working through debt together
- People following a snowball or avalanche method
AI goal planning
Goals people plan with it
Type a goal like one of these and the AI breaks it into a milestone for each month and a small action for each week, then prints them on your month and week pages. You read and edit every line before you download.
Your goal
Pay off $8,000 of credit card debt
12 monthly milestonesWeekly actionsA motto each monthYour goal
Clear the car loan a year early
12 monthly milestonesWeekly actionsA motto each monthYour goal
Pay $300 extra on debt every month
12 monthly milestonesWeekly actionsA motto each month
Guide
How to use a debt payoff planner
A debt payoff planner keeps every debt on one page and shows each balance getting smaller. It doesn't change the maths, but seeing the progress is a big part of what keeps people going for the months it takes.
List every debt
Write each card, loan and overdraft on the plan page with its balance, interest rate and minimum payment. Seeing the total is hard, but it's the starting line.
Choose snowball or avalanche
Snowball orders debts from the smallest balance; avalanche orders them from the highest interest rate. Write the order in the first column.
Find the extra money
Use the monthly budget and the subscriptions page to find an amount you can pay on top of the minimums. Write it at the top of the plan.
Log every payment
Each month's debt payment page records what you paid, the interest charged, any extra and the new balance for each debt.
Roll payments forward
When a debt is gone, add its payment to the next one on the list. That rolling payment is what speeds up both methods.
Build a small buffer
A starter emergency fund on the savings pages means a car repair doesn't go back on a card.
What to include in a debt payoff planner
A debt payoff planner should show the plan, the payments and the money behind them. This one includes:
Calendar
Weekly and monthly pages
Month calendars to mark payment due dates and paydays, and a weekly page in columns. There are no daily pages, so it stays short and easy to print.
Debt
Debt Payoff
Two snowball or avalanche plan pages for up to ten debts each, and a debt payment log for every month.
- Debt Snowball / Avalanche Plan · 2 pages
- Debt Payments · every month
Money
Budget
A monthly budget in your own categories, an expense log and a bill tracker, to find the extra each month.
- Monthly Budget · every month
- Expense Log · every month
- Bill Tracker · every month
Save
Savings & Debt
Savings trackers, sinking funds, debt payoff pages to colour in, no-spend challenges, a subscriptions audit and net-worth snapshots.
- Savings Tracker · 4 pages
- Sinking Funds · 1 page
- Debt Payoff · 2 pages
- No-Spend Challenge · 3 pages
- Subscriptions · 1 page
- Net Worth Snapshot · 4 pages
Every section can be switched off in the builder, and sections from other planners can be added.
Digital vs printable debt payoff planner
A printable debt payoff tracker works well on the fridge or inside a cupboard door, where colouring in another square is hard to miss. Print the plan and the month's payment page on A4 or US Letter.
A digital debt planner suits people who check balances on their phone and update the planner on a tablet at the same time. It doesn't connect to your bank, so you copy the numbers in yourself.
- Digital sizes
- iPad portrait, iPad landscape, Android portrait, Android landscape, E-ink
- Printable sizes
- A5 print, A4 print, Letter print, Half letter
An example week in a debt payoff planner
One goal, followed through a single week. The milestone and weekly actions are the kind of lines the AI goal step writes onto your month and week pages; the daily notes are what you add by hand.
Goal
Pay off $8,000 of credit card debt
Milestone for April
Store card cleared; total below $6,000
This week's actions
- Pay $350 extra on the store card
- Cancel two subscriptions
- Sell one thing you don't use
- MondayPayday. Minimums paid on all four debts. Logged on April's payment page.
- TuesdaySubscriptions audit: cancelled two, saving $27 a month. Added to the extra.
- ThursdaySold the old tablet for $140. Straight onto the store card.
- FridayStore card paid off. Coloured the last squares and moved its payment to the next card.
- SundayPlan page updated: total debt $5,870. Next target: the Visa.
Formats
Download it for your device.
Every format is included in the price. Switch between them and download again whenever you like.
iPad — Portrait
GoodNotes, Notability, Noteshelf, Xodo, Collanote, ZoomNotes
iPad — Landscape
GoodNotes, Notability, Noteshelf, Xodo
Android tablet — Portrait
Samsung Notes, Penly, Flexcil, Xodo, Noteshelf
Android tablet — Landscape
Samsung Notes, Penly, Flexcil, Xodo
E-ink tablet
reMarkable, Kindle Scribe, Boox, Supernote
Printable — A5
Print at home or at a print shop, fits A5 binders
Printable — A4
Print at home on standard A4 paper
Printable — US Letter
Print at home on US Letter paper
Printable — Half Letter
Fits Happy Planner classic and half-letter discs
Theme
Starts in this look.
Terracotta Sun
Earthy rust, ochre and sand.
Prefer something else? Pick from 13 themes, including dark mode and an e-ink theme, and change the accent colour.
See all themesSnowball or avalanche: which should I use?
Snowball pays off the smallest balance first, which gives quick wins. Avalanche pays off the highest interest rate first, which usually costs less in interest overall. Both keep the minimum payment going on everything else. The plan page works for either; write your method at the top.
Is this the Debt Payoff Planner app?
No. This is a PDF planner you write in by hand on a tablet or on paper. It isn't connected to any app or to your bank, so you copy balances in yourself.
Is there a free debt payoff planner?
You can build this debt payoff planner and flip through every page in your browser for free, with a watermark. The tabs and links work in the preview, so you can check the layout before you pay. The clean PDF is $12 once, or included in Pro at $49 a year for unlimited planners. There is no free download of the full planner.
Does it work with GoodNotes, Notability, Samsung Notes and e-ink tablets?
Yes. Download the iPad size for GoodNotes, Notability, Noteshelf, Xodo, Collanote or ZoomNotes; the Android size for Samsung Notes, Penly, Flexcil or Xodo; or the E-ink size for reMarkable, Kindle Scribe, Boox and Supernote. The links work in any app that follows PDF links, usually in read mode rather than pen mode. Every size is included in the price.
Can I print the debt payoff planner?
Yes. Choose A5, A4, US Letter or Half Letter in the builder for a printable PDF with a wider inner margin for hole punching. Printable and digital sizes come with the same purchase, so you can use the debt payoff planner on a tablet and print the pages you want on paper.
Is the debt payoff planner dated or undated?
Dated by default, starting in January 2027. You can pick any start month and year (including this month), 12 or 18 months, and Monday or Sunday weeks. Or switch to undated and write the dates in yourself, so a skipped week isn't wasted.
Does the AI fill in the debt payoff planner for me?
Only the goal parts, and only if you want it to. Type up to six goals and the AI writes a milestone for each month and a short action for each week onto your month and week pages, plus a motto for each month. You can edit every line before you download. Everything else, from the calendar pages to the trackers, is yours to fill in by hand. You can try it 3 times a day without an account.
How many pages is the debt payoff planner?
With the default settings it comes to about 155 pages. That includes 12 month pages, 53 weekly pages, the Debt Payoff, Budget and Savings & Debt pages and 20 notes pages. Switching off daily pages or sections makes it shorter, and the builder shows the total as you change things.
Make it yours in about a minute.
Set your dates, device and goals, flip through the preview free, and pay only when it's right.
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