Debt Payoff Tracker Spreadsheet | Google Sheets Budget & Credit Tracker Template

Debt Payoff Tracker | Google Sheets Budget & Credit Tracker Spreadsheet

Take control of your personal finances with this Debt Payoff Tracker for Google Sheets. Designed for individuals and families working toward financial freedom, this simple yet powerful 1-tab spreadsheet helps you manage and track your debts, loans, and payments—all in one place.

With just 3 easy steps, you can start organizing your debt:

1. Enter all lenders and the total amount owed.

2. Log each transaction and payment.

3. Instantly visualize your progress with dynamic charts.

This Google Sheets debt tracker also lets you separately track interest paid, so you can see your true repayment totals—a feature that many basic budget spreadsheets overlook.

Ideal for beginners, this personal finance template is easy to use, with built-in formulas and charts that update automatically. No Excel required—this is a Google Sheets template and only needs a Gmail account to get started.

✔️ Automatically calculates totals
✔️ Tracks principal and interest separately
✔️ Includes visual progress charts
✔️ Beginner-friendly and editable
✔️ Works with any currency
✔️ Great for budgeting, debt snowball or avalanche methods
✔️ Instant access after purchase

Note: This is a Google Sheets file and requires a Google account to use. It is not compatible with Microsoft Excel.

Not sure if this is the right template for you? Watch our video instructions here: