Free debt payoff spreadsheet.
A debt tracker template for Excel and Google Sheets. Type in your debts and your extra payment; it works out the payoff order, a month-by-month schedule, your total interest and your debt-free date.
Debtless debt payoff spreadsheet
Four sheets: Plan (your debts and payoff order), Schedule (240 months of payments and balances), Payment log, and How to use. Opens in Excel, Google Sheets, Numbers and LibreOffice.
What's inside.
| # | Debt | Balance | APR | Minimum | Payoff order |
|---|---|---|---|---|---|
| 1 | Store card | $1,200.00 | 19.99% | $45.00 | 1 |
| 2 | Credit card | $6,400.00 | 26.99% | $190.00 | 2 |
| 3 | Car loan | $9,800.00 | 7.50% | $290.00 | 3 |
| Totals | $17,400.00 | $525.00 |
Six debt slots with balance, APR and minimum. The payoff order fills itself and an ordered list shows which debt to attack first.
Month by month: starting balance, interest, payment and ending balance for every debt, with minimums rolling forward automatically.
Months to debt-free, the calendar month you finish, and total interest paid, all recalculated when you change a number.
A simple ledger to record each payment with a running total, so you can see how far you have come.
Set up in two minutes.
- [ 01 ]
Open it
Excel: double-click. Google Sheets: drag the file into Drive and open with Sheets, or File, Import. - [ 02 ]
Replace the example debts
Lavender cells only. Name, balance, APR and minimum for each debt. Leave unused slots blank. - [ 03 ]
Enter your extra
The amount you can pay each month above all the minimums. Your monthly budget appears below the totals. - [ 04 ]
Read the Schedule sheet
Your debt-free date and total interest are at the top. Each month, pay every minimum and send the extra to the first open debt.
Or skip the typing.
The online calculator gives the same schedule without a download, and the Debtless app keeps the plan updated from your real payments and shows the date moving each month.
Keep going.
The snowball version of the template, ordered by balance.
The avalanche version, ordered by interest rate.
Smallest balance first. See your payoff order and debt-free date.
A one-page PDF to fill in by hand and stick on the fridge.
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