Debt Payoff Tracker Google Sheets Web App

DEBT FREE PLANNER: A DEBT PAYOFF CALCULATOR + TRACKER WEB APP

See the exact month you'll be debt free. Add your credit cards, loans and bills, choose the snowball or avalanche method, and the Debt Free Planner maps out every payment until the last debt is gone. Then it shows you exactly what to pay each month, and celebrates every debt you crush.

It opens like an app on your phone, tablet and computer, and everything saves to your own Google Sheet, so it's private, synced everywhere and yours to keep. No bank login. No subscription, ever.

Bold, modern look with a summit to climb, and four color themes including a dark Midnight theme.

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🏔️ YOUR PAYOFF PLAN
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● DEBT-FREE DATE: the exact month you'll be debt free, and how long until then
● SNOWBALL (smallest balance first), AVALANCHE (highest interest first) or YOUR OWN ORDER
● COMPARE: snowball vs avalanche vs minimums only, side by side for your debts
● EXTRA PAYMENT SLIDER: add a little extra each month and watch your date move
● INTEREST SAVED compared with paying only the minimums
● ROLLOVER BUILT IN: when a debt is paid off, its minimum rolls into the next one
● PAYOFF ORDER with the month each debt will be gone
● CHART of every balance shrinking to zero
● MONTH-BY-MONTH TABLE of every payment, with paid-off markers

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🏔️ EVERY MONTH
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● PAY THIS MONTH: exactly what to pay on each debt, with your focus debt highlighted
● ONE TAP: tap "I made these payments" and every balance updates, interest included (with Undo)
● LOG ANY PAYMENT or update a balance from your statement anytime
● YOUR CLIMB: progress toward debt free with flags at 25%, 50%, 75% and 100%
● CONFETTI and a "Debt crushed!" cheer when a debt is paid off
● DEBTS I CRUSHED: a trophy shelf of everything you've paid off

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🏔️ EVERY DEBT
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● BALANCE, APR, MINIMUM and PAID SO FAR
● PAYOFF DATE and the interest still to come on your plan
● MONTHLY INTEREST COST so you see what each debt really costs
● PAY-IT-OFF TRACKER: 50 squares that fill in on their own as the balance goes down
● HISTORY of every payment and a note for each debt
● WORKS FOR credit cards, store cards, buy now pay later, car loans, student loans, medical bills, personal loans, phone plans and more
● HEADS-UP when a minimum payment doesn't cover the interest

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🏔️ PLUS
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● ONE-DEBT CALCULATOR: when will it be paid off at this payment, or how much to pay each month to be done by a date
● 4 COLOR THEMES: Bold Coral, Fresh Mint, Sunny and Midnight
● CURRENCY SYMBOL: $, €, £, A$, C$ and more
● BACKUP: download a backup file anytime

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🏔️ WHY A WEB APP DEBT PLANNER
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✓ It runs the full month-by-month math for you, rollover included
✓ Check your plan on your phone on payday, and it syncs with your computer
✓ Debt apps often charge monthly or ask for your bank login. This one doesn't, and it's yours to keep
✓ Works on iPhone, iPad, Android, Mac, Windows and Chromebook
✓ Saves as you go. Your information stays in your own Google account. Nothing is sent to us or any outside app
✓ Undated, so start any time
✓ Illustrated setup guide, and real help from us if you get stuck

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🏔️ WHAT YOU'LL RECEIVE
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This is an instant digital download with 2 PDFs:
1. How to Access PDF with your link to copy the planner into your Google Drive
2. Illustrated Setup Guide (8 pages) that shows every screen

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🏔️ HOW IT WORKS
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1. Open your How to Access PDF and click the link to make your own copy (free Google account needed)
2. In your copy, click the 🏔️ Debt Free Planner menu, then Open my planner
3. Give permission once. Google shows a "Google hasn't verified this app" screen for every personal script like this one. Click Advanced, then Go to Debt Free Planner, then Allow. Your setup guide shows every step
4. Add your debts, pick your method, and make your private app link (about 2 minutes) to add it to your phone's home screen

Setup takes about 10 minutes and is done on a computer. After that, use it anywhere.

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🏔️ GOOD TO KNOW
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• Requires a free Google account and an internet connection
• Made for Google Sheets. It does not work in Excel, Numbers, GoodNotes or Notion
• It does not connect to your bank. You add your balances and log your payments
• This is a planning tool, not financial advice. Dates and interest are estimates that assume the same rates and on-time payments, with interest added monthly. Your lender's statements are the final word
• Each person or household needs their own copy. To plan together, share your Sheet with your partner
• Names and amounts in the photos are examples
• Colors may look slightly different on different screens
• Digital product only. No physical item will be shipped
• Because this is a digital download, returns and exchanges aren't accepted. If anything isn't working, please message us and we'll gladly help

For personal use only. Please don't share, resell or redistribute the planner, its link or its artwork.

Saving up too? See our Sinking Fund Planner and Piggy Bank Savings Challenges in the shop.

Created by Muse & Make Co with the help of AI tools.