Debt Payoff Tracker
kakeibo-templates.com
Start Date:
Goal Date:
DEBT INVENTORY
| Debt Name | Balance | Interest Rate | Min Payment | Snowball # | Avalanche # |
|---|---|---|---|---|---|
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| $________ | _______% | $________ | |||
| TOTAL DEBT | $________ | $________ | |||
Snowball Order: Smallest balance → Largest
Avalanche Order: Highest rate → Lowest
MY PAYOFF STRATEGY
Debt Snowball
Pay smallest balance first for quick wins and motivation.
Debt Avalanche
Pay highest interest first to save the most money.
Extra Monthly Payment Available:$____________
MONTHLY PAYMENT LOG
| Date | Debt | Payment | New Balance | Paid Off? |
|---|---|---|---|---|
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ | ||
| ____/____ | $________ | $________ |
DEBT FREEDOM PROGRESS
1
Debt name: ________________Paid off: ____/____/____
✓
2
Debt name: ________________Paid off: ____/____/____
✓
3
Debt name: ________________Paid off: ____/____/____
✓
4
Debt name: ________________Paid off: ____/____/____
✓
5
Debt name: ________________Paid off: ____/____/____
✓
6
Debt name: ________________Paid off: ____/____/____
✓
DEBT FREEDOM STATS
Starting Total Debt
$____________
Current Total Debt
$____________
Total Paid Off
$____________
Debts Eliminated
____ of ____
Projected Debt-Free Date
________________
Why I Want to Be Debt-Free:
Free template from kakeibo-templates.com
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Debt Payoff Tracker Template - Snowball & Avalanche Methods (Free)
Track your debt payoff journey with this comprehensive template. Supports both debt snowball and debt avalanche methods. Visualize your progress and stay motivated.
Time Required
20 min setup, 10 min/month
Difficulty
intermediate
Free to use • Print or save as PDF • No email required
How to Use This Template
1
List All Debts
Enter each debt with current balance, interest rate, and minimum payment
2
Choose Your Method
Decide between snowball (smallest first) or avalanche (highest rate first)
3
Calculate Extra Payment
Determine how much extra you can put toward debt each month
4
Follow the Order
Pay minimums on all debts, extra on your target debt
5
Track Payments
Log every payment and update balances
6
Celebrate Payoffs
When one debt is paid, roll that payment to the next
Frequently Asked Questions
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Total Savings:$____________
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Target Amount:$__________
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Goal #2
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| ___/___ | $________ | $________ | |
| ___/___ | $________ | $________ | |
| ___/___ | $________ | $________ | |
| ___/___ | $________ | $________ | |
| ___/___ | $________ | $________ | |
| ___/___ | $________ | $________ | |
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| ___/___ | $________ | $________ | |
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SAVINGS SUMMARY
Total Saved This Month:$__________
Total Saved This Year:$__________
All Goals Total:$__________
Overall Progress:_______%
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Building wealth and paying off debt
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|---|---|---|
| Emergency Fund | $________ | $________ |
| Retirement (401k, IRA) | $________ | $________ |
| Extra Debt Payments | $________ | $________ |
| Sinking Funds | $________ | $________ |
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| Other Savings: | $________ | $________ |
| Total Savings | $________ | $________ |
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