Plan your debt-free journey. Track every payment. Celebrate every win.
What's inside
List all your debts, balances, interest rates, and minimum payments in one place.
Choose snowball or avalanche, set your payoff order, and review the side-by-side comparison.
36 months of payment logging with principal, interest, and running balance columns.
36 months of payment logging with a debt thermometer graphic to shade in as you pay.
Track a third debt with the same monthly log format.
Track a fourth debt — ideal for the credit card with the highest APR.
Track a fifth debt. Each tracker holds 3 years of monthly payment history.
Record every debt you pay off — the date, original balance, how you celebrated, and remaining total.
Full page of lined space for calls to make, accounts to close, and reminders.
How to use
Name, lender, balance, interest rate, and minimum payment for each debt.
Enter your debts at noslavetodebt.com and get your optimized payoff order in seconds.
Record your payoff order and log every payment as you make it.
Write down how you celebrate each paid-off debt. The wins add up.
Why it works
Studies consistently show that written goals are more likely to be achieved. Signing your name to a payoff plan makes it real.
Logging payments by hand forces you to confront the numbers — good months and bad ones. You can't ignore what you write down.
The visual feedback of shading in debt thermometers is a proven motivational technique. Progress you can see is progress you'll continue.
No app, no account, no subscription. Print it once, use it for years. Your data is yours.
FAQ
Yes — 100% free, no strings attached. Enter your email to download instantly. No spam, no paid upgrade, no credit card.
Yes. Page 2 walks you through choosing your strategy, and the individual debt trackers work regardless of which method you choose. The payoff order on Page 2 is where you record your strategy.
The planner includes 5 individual debt trackers (Pages 3–7) covering up to 5 debts, each with 36 months of payment logs. The debt overview dashboard on Page 1 has rows for up to 10 debts. If you have more than 5 high-priority debts, print multiple copies of pages 3–7.
Yes — print as many copies as you need for personal use. If you need more tracker pages (for more than 5 debts), simply print pages 3–7 multiple times.
Want a digital version? The free spreadsheet covers the same ground in Excel or Google Sheets — 5 tabs, no email required.
Get Spreadsheet →Prefer tracking online? My Debt Tracker saves your plan in the browser — no download, no account required.
Open Tracker →Deciding which strategy to fill in on Page 2? See snowball vs. avalanche compared — the math, the psychology, and a clear recommendation.
Snowball vs. Avalanche →Before you fill in the plan, should you consolidate first? See debt consolidation vs. payoff strategy — when lowering your rate changes everything.
Consolidation vs. Payoff →Deciding between a 0% card and a personal loan? See balance transfer vs. personal loan — which is cheaper and which is safer for your situation.
Compare Options →Working out how much to budget for debt payments? See the minimum vs. extra payment math — what each extra dollar saves in interest and time, so you can set the right target.
Minimum vs. Extra →Want to see real people's journeys to debt-free? Read real debt payoff stories — the timelines, the methods, and what finally made it click.
Read Stories →Want strategy to go with your planner? Browse the debt payoff blog — guides on snowball vs. avalanche, balance transfers, and how to shorten your payoff timeline.
Read the Blog →