Debt Payoff Tracker + Snowball & Avalanche Calculator

Stop guessing which debt to pay first. This bundle pairs an 18-page printable Debt Payoff Tracker with a real interactive calculator that does the math for you. List your debts, set an extra monthly payment, and the calculator shows your exact payoff order, your debt-free date, total interest paid, and how much you save versus paying minimums only — for both the Snowball method (lowest balance first, for fast wins) and the Avalanche method (highest APR first, for the least interest). The printable tracker gives you a debt inventory sheet, 12 monthly payoff logs, a milestone celebration tracker, and a debt-free summary page to keep you motivated all the way to zero. Works offline in any browser — no accounts, no subscriptions, your numbers never leave your device. Educational tool, not financial advice.