Log payments, watch balances drop, celebrate every win. Saved in your browser — never sent to our servers.
Prefer pen and paper? The free 9-page PDF planner is printable — monthly logs, milestone tracker, and a debt thermometer to color in as you go.
Get PDF Planner →Prefer working in Excel or Google Sheets? Download the free spreadsheet — 5 tabs, works offline, no account needed.
Get Spreadsheet →Not sure which strategy to track? See snowball vs. avalanche compared — the math, the psychology, and a clear recommendation for your situation.
Snowball vs. Avalanche →Should you consolidate before you start tracking? See debt consolidation vs. payoff strategy— when a lower rate changes your plan and when it doesn't.
Consolidation vs. Payoff →If you're consolidating, which option is cheaper? See balance transfer vs. personal loan — the full cost comparison so you start your plan on the right rate.
Compare Options →Deciding how much to log each month? See the minimum vs. extra payment math — exact scenarios showing what each extra dollar saves in interest and time.
Minimum vs. Extra →Using Baby Steps or wondering if the avalanche is faster? See Dave Ramsey vs. avalanche — which system to track and why the math matters.
Ramsey vs. Avalanche →Tracking credit card balances? Use the credit card payoff calculator — see the payoff date and interest savings before logging your next payment.
Credit Card Calculator →Tracking a personal loan? See the personal loan payoff calculator — check your payoff date and how much extra payments save before your next log entry.
Personal Loan Calculator →Tracking medical bills in your list? See the medical debt guide — most bills are 0% and negotiable, which changes where they belong in your payoff order.
Medical Debt Guide →Tracking student loans in your list? See the student loan payoff calculator — federal loan rules change how they fit into your payoff order compared to other debts.
Student Loan Calculator →Total debt load too large for a standard payoff plan? See all debt relief options compared — credit counseling, settlement, and what each actually costs.
Debt Relief Options →Considering a rate cut before you start tracking? Compare the top 0% balance transfer cards — starting your payoff plan at a lower rate means every logged payment goes further.
Compare Cards →Prefer paper alongside your digital tracker? Print the free debt payoff worksheet — debt list, 12-month tracker, and milestone checkboxes to keep on your desk.
Print Worksheet →Want to see what a real payoff journey looks like? Read real debt payoff stories — how others went from a number like yours to zero.
Read Stories →Want strategy to act on your numbers? Browse the debt payoff blog — guides on payoff methods, consolidation, and how to shorten your timeline.
Read the Blog →Paying off debt lowers your debt-to-income ratio — which determines what lenders will approve. Use the free DTI calculator — see your current ratio and how each payoff moves it.
DTI Calculator →Every balance you eliminate here shows up as a net worth gain. Track your progress with the net worth calculator — assets minus liabilities, updated as your debts drop.
Net Worth Calculator →Not sure what APR, DTI, or amortization means? Browse the debt payoff glossary— plain-English definitions for every term you'll encounter on your payoff journey.
Debt Glossary →