Debt Payoff Tracker Template (Printable PDF & GoodNotes)
A debt payoff tracker with a table for up to seven debts, showing each one's balance, interest rate, minimum payment and target date, plus 50 squares to colour in as the total comes down. It puts every debt on one page so you can make a plan.
- Printable US Letter8.5 × 11 in, white paper
- Printable A4210 × 297 mm, white paper
- iPad / GoodNotesAlso Notability and Noteshelf
- E-ink tabletreMarkable, Kindle Scribe, Boox
Free PDF, 1 page, undated. No sign-up needed.
Shown for iPad in the Terracotta Sun theme. Printable downloads use white paper (there's a dark mode preview below); the e-ink version is black and white.
One page, ready to fill in.
- A table with columns for debt, balance, rate, min. payment and target date
- 50 squares to colour in
- Undated, so you can print or duplicate it as often as you need
Who it's for
People with several credit cards or loans who want to see the whole picture, couples working on debt together, and anyone who finds a colour-in chart more motivating than a statement.
Getting the most from a debt payoff tracker.
List every debt, even the small ones
Credit cards, store cards, car loans, buy-now-pay-later, money owed to family. Seeing the full picture is uncomfortable but it's where the plan starts.
Decide what each square is worth
Divide your total debt by 50. If you owe $10,000, each square is $200. Colour one every time the total drops by that much.
Choose snowball or avalanche
Snowball pays the smallest balance first for quick wins; avalanche pays the highest interest rate first to save money. Number the debts in the order you'll attack them.
Set realistic target dates
Work out a target date for each debt from what you can pay each month. Dates you can actually hit keep you going.
Update balances monthly
Once a month, check your statements and update balances. Then colour your squares; that's the satisfying bit.
Included in 5 planners
This template is a page in each of these planners. Open one to see everything else that comes with it.
Get it inside a full hyperlinked planner
The debt payoff planner includes this page alongside dated month and week pages for your year, with side tabs and links between every page. Pick your device and theme, preview it free, and pay only when it's right.
- Dated pages for the whole year
- Tap a tab or a date to jump there
- GoodNotes, Notability, Samsung Notes, e-ink and print sizes
Opens the debt payoff planner with the Savings & Debt section switched on.
Or read about the debt payoff planner first.
About this debt payoff tracker template
Need help importing it? See devices and apps or the FAQ.
How many debts can I track?
Seven rows in the table. If you have more, group small ones together or use a second page.
What's the difference from the debt snowball worksheet?
This page is an overview with a colour-in chart. The debt snowball worksheet sets out a payoff order for up to ten debts, with your method and extra payment, and a log of each payment.
Does it calculate interest?
No, it's a paper tracker. Write the rate so you can compare debts, and use your lender's statement for the exact balance.
Which planners include it?
The budget, debt payoff, savings challenge, cash stuffing and paycheck budget planners, in their Savings & Debt section.
Can I track student loans or a mortgage?
Yes. Add them as rows. Many people leave the mortgage off the colour-in chart so smaller debts show visible progress.
