UK Debt Payoff Tracker

See your debt-free date. Enter your credit cards, loans, car finance and overdraft, set what you can afford each month, and compare the snowball and avalanche methods side by side.

What's included

• Track up to 15 debts in pounds
• Snowball vs avalanche: debt-free date and total interest for each
• A payoff schedule showing exactly what to pay each debt, every month
• Freed-up payments roll over to the next debt automatically
• Payment log with progress bars for every debt
• A chart of your total balance falling
• A warning if your budget doesn't cover your minimum payments
• Step-by-step PDF setup guide

How it works

Delivered as a ZIP file containing the spreadsheet and a PDF setup guide. Unzip it, then open the spreadsheet in Excel, or upload it to Google Drive and open it in Google Sheets.

Figures are estimates based on the details you enter. For free, confidential debt advice, contact MoneyHelper, StepChange or National Debtline.

Instant download

Your files are available straight after payment. By completing your purchase, you agree to immediate access to your download and acknowledge that you lose your 14-day right to cancel once it's made available. If a file is faulty or not as described, we'll fix it, replace it or refund you. See our Refund and Cancellation Policy.

This template is a planning tool, not financial or debt advice. Read our full statement.