Debt Freedom Tracker

Debt Freedom Tracker

Stop guessing when you'll be debt-free. List your debts once, pick your method, and watch a real payoff date and interest total appear — automatically.

Most debt trackers give you a place to write numbers down. This one does the math for you.

The Debt Freedom Tracker pairs a clear, no-fluff guide with a spreadsheet that actually calculates your path out of debt — not just tracks it. Enter your debts once, and it automatically ranks them two ways (smallest balance first, or highest interest first) so you can see, with your own numbers, which payoff method actually gets you there faster or keeps you more motivated. Then the built-in Payoff Calculator runs a full month-by-month schedule and tells you exactly how many months until you're debt-free and how much total interest you'll pay — no guesswork, no separate calculator app.

What's inside:

• A 7-page guide explaining the snowball method (smallest balance first) and the avalanche method (highest interest first) — plain language, no jargon, so you can pick the one you'll actually stick with
• A Debt List tab that becomes the single source of truth for every balance, rate, and minimum payment you owe
• Two auto-ranking tabs (Snowball Order and Avalanche Order) that instantly sort your real debts both ways, so you're comparing your actual numbers, not a hypothetical example
• A formula-driven Payoff Calculator — enter one debt's balance, rate, and a monthly payment, and get your exact payoff date and total interest paid
• A 24-month Progress Tracker to log your remaining debt and watch the number shrink
• A decision-helper worksheet to choose your method, plus a habits checklist to help the plan actually stick

Who it's for: Anyone carrying credit card, loan, or medical debt who's tired of guessing whether they're making real progress — and wants a plan with an actual finish line instead of just "pay more than the minimum."

Delivered instantly as a PDF guide + Excel workbook. Works in Excel or Google Sheets.

Educational content only — not individualized financial, credit, or legal advice.