Debt Payoff Tracker for Google Sheets
Snowball or avalanche, map every balance, let it pick the order that saves the most interest, and count down to your debt-free date.
AI coach included · all 7 themes · works in any currency · yours for life
- ⚡Instant accessDelivered in seconds
- ♾️One-time purchaseNo subscription, ever
- 🛡️30-day make-it-rightNot happy? We'll fix it
- 🔒Secure checkoutCard, Apple & Google Pay
- Snowball & avalanche
- AI coach
- 📘 Setup guide
- 7 themes
- Any currency
- Yours for life
See your debt-free date, and the fastest way there.
The Debt Payoff Tracker maps every balance you owe, right inside Google Sheets, and builds you a plan to clear them. Choose snowball, smallest balance first, for quick motivating wins, or avalanche, highest interest first, to save the most money, and it sequences your debts, counts down the months, and shows the interest you will save. Paying off debt finally gets a finish line you can see.
Not sure which method suits you? Read debt snowball vs avalanche for a worked example, or see the All-in-One Budget Planner for the whole picture.
Snowball or avalanche
Pick the strategy that suits you and the tracker orders your debts and works out the payoff plan automatically.
Know your debt-free date
See exactly when you will be clear, and how many months an extra payment each month shaves off.
See the interest you save
Watch the total interest cost fall as you commit to a plan, proof that the effort is paying off.
Seven looks. One file. Zero static.
Tap a colour and watch the planner recolour in one click, switch as often as you like, your data never moves. All seven themes are included with every purchase.
Now showing the Sage Orchard theme, and every screenshot on this page changed with it.
Want the whole money picture?
The Debt Payoff Tracker is one focused slice of the All-in-One Budget Planner, thirty tabs, the full AI coach and a Financial Health Score, all in one file for £14.99.
From purchase to planning in four steps.
Buy & download
Your link arrives instantly after checkout.
Make your copy
One click saves the planner to your own Google Drive.
Set up in minutes
Currency, dates and your details, our Getting Started guide covers everything, including the AI coach.
Plan with your coach
Log your first entries and generate your first insights.
All you need
- A free Google account, the planner runs entirely in Google Sheets
- Any device: desktop, tablet or mobile
- A few minutes for one-time setup (our step-by-step guide covers it, including the AI coach)
- That's it. No software to install, nothing to subscribe to.
30-day make-it-right guarantee
If it's not right for you, tell us within 30 days and we'll make it right.
Your data stays yours
Your planner lives in your own Google account. The AI coach works through a provider you choose, and only ever sends figures and first names, never the full picture, and never to us.
Instant delivery
Your download link is in your inbox the moment you order.
Before you ask,
How does delivery work?+
Instantly. After checkout you get a PDF with a link to the Google Sheet, open it, click Make a copy, and it's yours.
Does it use the snowball or avalanche method?+
Both, you choose. The tracker calculates your payoff order, debt-free date and interest saved for either method.
What debts can I track?+
Any, credit cards, store cards, loans, car finance, student or medical debt. Add as many as you like.
Do I need anything besides a free Google account?+
No. It runs entirely in Google Sheets on any device. No software, no subscription.
Is the AI coach required?+
No, it's optional. Switch it on with your own free AI key, or skip it, the tracker is fully featured either way.
Is my financial data private?+
Yes. The tracker lives in your own Google account. The optional AI coach only ever sends figures and first names, never the full picture, and never to us.
What if it's not right for me?+
Tell us within 30 days and we'll make it right.
Complete your set
Built to be loved, and backed by us.
Every planner is tested to work perfectly out of the box, comes with a step-by-step setup guide, and is covered by our 30-day make-it-right promise. Your data always stays private in your own Google account.
- ✅ Tested to work out of the box
- 📘 Step-by-step setup guide
- 🛡️ 30-day make-it-right promise
- 🔒 Private, in your own Google account
This AI debt payoff tracker exceeded my expectations! Purchase and download were quick and easy, no hassle at all. The onboarding setup guide walked me through everything step by step, so I was up and running in minutes. What really stands out is the built-in AI. It analyzes my numbers and gives me clear, personalised insights on the fastest way to pay off my debt. It also offers ongoing advice as my situation changes, plus an actual projected payoff date, which keeps me motivated and on track. If you're looking for a debt payoff tracker that combines smart budgeting tools with real AI powered insights, this is it. Highly recommend for anyone serious about becoming debt free!
Ready when you are.
Download it now, set it up in minutes, and meet your coach tonight.
Get the planner for £6.9930-day make-it-right guarantee · instant download