# Debt-Free Journey Planner!

**Watch Your Debt Disappear. Know Exactly When You'll Be Debt-Free.**

A complete debt-free tracking system in one spreadsheet. Track up to 12 debts at once, log your monthly payments, see your projected debt-free date, and celebrate every debt you clear. Just enter your balances, interest rates and payments, and everything else updates automatically.

**What's Inside**

* 💳 Debts Setup for up to 12 Debts: enter each debt's name, category, original balance, current balance, interest rate (APR), minimum payment and any extra payment

* 📅 Projected Payoff Dates: see the months to payoff, the projected payoff date and the status of every debt, plus your overall debt-free countdown

* 📝 12-Month Payment Log: record what you actually paid toward each debt every month and compare it against your planned payments, with the variance calculated for you

* 🏆 Milestone Tracker: debts are marked as Cleared automatically when the balance hits zero, with space for the date cleared and your own celebration note

* 💰 Interest Saved Calculator: see how much interest you avoid by paying extra versus paying only the minimum

* 📈 Net Worth Tracker: enter your assets and watch your net worth improve as your debt disappears, with a 12-month projection

* 📊 Visual Charts: original vs. current balance by debt, total debt reduction over the next 24 months, debt allocation by balance, debt status breakdown, % paid off by debt, actual vs. planned payments, interest saved by debt and asset allocation

* ✅ Built-in Guide, Dashboard & Preview: a Guide sheet to get you started, a Dashboard with your key numbers, progress bars, smart insights and achievement badges (25%, 50%, 75% and Goal Achieved), and a Preview sheet with sample data showing how it all works

**Why You'll Like It**

Everything recalculates instantly. Update a balance or log a payment and every progress bar, countdown, milestone and chart updates automatically, with no manual work.

**What's Included**

* Instant .xlsx download

* Compatible with Microsoft Excel 2016+ and Google Sheets

* No macros, plugins, or add-ons needed

* Lifetime access and all future updates

* Clean, color-coded inputs so you always know what to edit

**Who It's For**

Anyone on a debt-free journey: credit cards, a car loan, a student loan, a personal loan, or all of them at once. Whether you're juggling several balances, wondering when you'll make your final payment, or want to see what a little extra each month really saves you in interest, this gives you real dates and numbers instead of guesswork.

**One-time payment, lifetime access & updates**