Debt Payoff Tracker

💸 Pay off debt faster with a plan you can actually see and stick to. This Debt Payoff Tracker turns overwhelming balances into a clear, motivating roadmap so you always know your next payment, your total owed, and exactly how close you are to debt freedom. Whether you are following the debt snowball (smallest balance first) or the debt avalanche (highest APR first), this printable gives you the structure, the math, and the motivation to keep going. Watch your balances shrink, color in your progress, and finally feel in control of your money. 🎯 WHAT'S INCLUDED • Quick-start guide explaining snowball vs avalanche • Debt freedom vision & goal-setting page • Master debt inventory (Debt, Balance, APR, Min Payment, Payoff Order) • Snowball order worksheet & avalanche order worksheet • Monthly payment plan and extra-payment planner • 6 individual debt payoff trackers (Date, Debt, Payment, Interest, New Balance) • Total balance progress tracker month by month • Debt-free thermometer to color in as you pay down • Payment streak habit tracker to build momentum • Interest-saved log so you see what you are winning back • Payoff notes pages and a debt-free celebration plan 🖨️ FORMAT & PRINTING • Instant digital download, US Letter (8.5 x 11 in) PDF • Print at home, at the office, or at a print shop • Print as many copies as you need, for personal use • Works great printed or used digitally on tablets (GoodNotes, Notability, etc.) 📝 HOW IT WORKS 1. List every debt, balance and APR on the master inventory 2. Choose snowball or avalanche and set your payoff order 3. Log each payment and watch your new balance drop 4. Color the thermometer and check off your payment streak 5. Celebrate every debt you knock out 💖 PERFECT FOR • Anyone starting a debt-free journey or no-spend year • Paying off credit cards, student loans, car loans or medical debt • Snowball or avalanche method fans • Budgeters who love a paper plan they can see and color • A motivating gift for someone getting serious about money ⬇️ INSTANT DOWNLOAD: Files are available immediately after purchase. No physical item will be shipped. ⚠️ Because this is a digital product, all sales are final. No refunds, exchanges or returns. This listing is for personal use only and may not be resold or redistributed.