Print or save as PDF. Fill in your debts and track your payoff plan.
| # | Creditor / Debt Name | Current Balance | Interest Rate (APR) | Minimum Payment | Payoff Order |
|---|---|---|---|---|---|
| 1 | |||||
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| 5 | |||||
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| 10 | |||||
| TOTALS | |||||
| Month | Total Balance | Payment Made | Interest Paid | Principal Paid | Debts Paid Off | Notes |
|---|---|---|---|---|---|---|
| Month 1 | ||||||
| Month 2 | ||||||
| Month 3 | ||||||
| Month 4 | ||||||
| Month 5 | ||||||
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| Month 8 | ||||||
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| Month 10 | ||||||
| Month 11 | ||||||
| Month 12 |
Want something more comprehensive? The free 9-page PDF planner adds monthly logs, a debt thermometer, milestone tracker, and notes pages.
Get PDF Planner →Need more than one page? The free spreadsheet has 5 tabs — debt setup, payoff plan, 10 years of payment logs, and a snowball vs. avalanche comparison.
Get Spreadsheet →Prefer tracking online? My Debt Tracker does the same thing in your browser — no printing required.
Open Tracker →Not sure which strategy to write in? See snowball vs. avalanche compared — the math, the psychology, and a clear recommendation.
Snowball vs. Avalanche →Not sure whether to consolidate first? See debt consolidation vs. payoff strategy— when combining debts saves money and when you're better off attacking them directly.
Consolidation vs. Payoff →Considering a 0% card or personal loan to lower your rate? See balance transfer vs. personal loan — which is cheaper for your balance and timeline.
Compare Options →Filling in your extra payment budget? See the minimum vs. extra payment math — exact scenarios showing what each dollar amount saves.
Minimum vs. Extra →Before you fill in interest rates, consider lowering them first. Compare the top 0% balance transfer cards — moving high-rate balances to a 0% card makes every worksheet payment go further.
Compare Cards →Not sure which debt to list first? See the Dave Ramsey snowball vs. avalanche breakdown — which payoff order saves the most and which keeps you motivated.
Snowball vs. Avalanche →Want to see real payoff timelines before you start yours? Read real debt payoff stories — how real people tracked their way to zero.
Read Stories →Want strategy guides to fill in alongside your worksheet? Browse the debt payoff blog — snowball vs. avalanche, balance transfers, and payoff method deep dives.
Read the Blog →Once you've listed every debt here, check your debt-to-income ratio. Use the free DTI calculator — see how your total debt load compares to your income and what lenders see.
DTI Calculator →The liabilities you listed here are exactly what drag down your net worth. Use the net worth calculator — see assets minus liabilities and watch the number improve as each balance disappears.
Net Worth Calculator →Not sure what minimum payment, interest rate, or payoff date means? Browse the debt payoff glossary — plain-English definitions for every term on your worksheet.
Debt Glossary →