UK Debt Payoff Progress Tracker | Debt Payment & Balance Excel Spreadsheet

See what you owe. Record what you actually pay. Check against your real statements.

The MoneySavvyUK UK Debt Payoff Progress Tracker is a straightforward Excel workbook for keeping your debt information, payments and progress organised in one place.

Instead of relying on complicated long-term forecasts, it focuses on what actually happens.

What you can do

✓ Track up to 20 debts

✓ Record starting and current statement balances

✓ Record minimum or agreed payments

✓ Add APR information if you want to

✓ Record actual payments

✓ Record refunds, credits and balance adjustments

✓ See total starting debt and current statement debt

✓ See how much your balances have reduced

✓ Track progress for each debt

✓ See cleared debts

✓ Complete monthly debt check-ins

✓ Keep payment due-day information together

✓ Compare the balances and APRs you have entered

✓ Check your spreadsheet balance against your latest creditor statement

Statement Check

This is one of the most useful parts of the workbook.

A spreadsheet balance can differ from your real creditor balance because of interest, fees, refunds, adjustments or transaction timing.

Statement Check compares the workbook-tracked balance with the latest statement balance you enter.

You'll see:

MATCH when they reconcile

CHECK BALANCE when there is a difference

This helps you spot discrepancies rather than assuming a spreadsheet forecast is always correct.

Clear progress without complicated forecasting

For each debt you can see:

Starting Balance → Current Statement Balance → Amount Reduced → Progress %

The workbook does not promise a debt-free date or estimate guaranteed interest savings.

Balance and APR comparison

A Comparison View lets you see the balances and APRs you entered.

This is a comparison tool only. It does not recommend which debt you should pay first.

Priority debts and individual circumstances can matter more than the size of a balance or APR, so the workbook also contains links to free UK debt-help organisations.

What you receive

1 × MoneySavvyUK UK Debt Payoff Progress Tracker (.xlsx)

1 × Quick Start Guide (.pdf)

Workbook sections include Dashboard, My Debts, Payment Log, Statement Check, Debt Progress, Monthly Check-In, Payment Calendar, Comparison View, Free Debt Help, Demo Example and Source Notes.

Software

Designed and tested for Microsoft Excel (.xlsx).

No Google Sheets compatibility claim is made.

No bank connection, creditor connection, account or monthly subscription is required.

Important

This workbook is an organisational and record-keeping tool. It does not determine which debts are priority debts, recommend a repayment strategy or debt solution, calculate creditor interest, predict a credit score, guarantee a payoff date or provide financial, debt, legal, tax or accounting advice.

If you're struggling to make payments or are unsure which debts need attention first, seek free debt advice. The workbook includes links to MoneyHelper, StepChange, National Debtline and Citizens Advice.

Calculations are based only on the information you enter.

Digital product - nothing will be posted.