Debt snowball worksheet.
A free printable PDF for paying off debt by hand: list your debts smallest to largest, fix your monthly budget, and track twelve months of progress on one page.
Debtless debt snowball worksheet
Two pages, US Letter, prints in black and white. Debt table, monthly budget line, check-in list, 12-month progress strip, and a worked example.
How to use it.
- [ 01 ]
List, then sort
Write every debt with its balance, APR and minimum. Number them smallest balance first. Rewrite the list in that order if it helps. - [ 02 ]
Fix the budget
Total minimums plus your extra. Write it on the totals line. This number does not change until the last debt is gone. - [ 03 ]
Pay and tick
Every month: minimums on all, extra on #1, tick the checklist, write the month-end total balance in the strip. - [ 04 ]
Roll and celebrate
When #1 hits zero, write the date, add its payment to #2, and keep going. The strip will bend downward faster each time.
Why paper works.
A sheet on the fridge is a daily reminder that a plan exists. Crossing off a debt with a pen is more satisfying than a status change in an app. If you want both, use the worksheet for the wall and the calculator or Debtless for the math.
- Pin it where you will see it before you spend.
- Reprint each year, or when your list of debts changes.
- Read the worked example on page two once; the rules are short.
Keep going.
Smallest balance first. See your payoff order and debt-free date.
The snowball version of the template, ordered by balance.
The plain-language playbook, from first list to last payment.
Run both orders on your debts and see the difference in dollars and months.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. Free on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free on the App Store