Free Debt Payoff Spreadsheet to Track Your Progress
Most debt payoff spreadsheets just help you list your balances. Ours helps you build a plan and track your progress to that plan.
Whether you’re using the Snowball method, the Avalanche method, or just want to see how long it will take to pay off your debts, this spreadsheet gives you the clarity and motivation to keep going.
Paying off debt has never looked so happy!
What Makes This Debt Spreadsheet Different
Unlike most tools that leave you staring at a wall of numbers, this debt payoff spreadsheet simplifies everything into clear, step-by-step instructions.
Here’s what you’ll get:
- A personalized debt payoff plan based on your strategy (Snowball or Avalanche)
- Simple, actionable “steps” so you always know what to focus on next
- A separate nerdy plan facts tab if you want to see all the math behind the plan
- Built-in progress tracking so you can stay motivated
Most people only need the main Plan tab, but if you love the nerdy details, they’re there too!
How to Use the Debt Spreadsheet (and Start Right Now)
Being in debt can feel overwhelming. You’re just trying to figure out the first step. We’ve been there (and made lots of wrong ones).
Most debt payoff spreadsheets go into way too much detail about things most people don’t care about. Ours is as simple as it gets:
- List your debts
- Pick a method (Snowball or Avalanche)
- See your steps and start moving forward
Here’s how it works:
Step 1 – Focus on paying off one debt at a time. Make minimum payments on everything else. The spreadsheet will show you how long that will take.
Step 2 – When that first debt is paid off, move to the next one. Put everything extra toward it.
Step 3 – Repeat until everything’s paid off and watch your momentum grow.
Once you’re started, track your progress right in the same spreadsheet. See your results update in real time. You don’t have to follow the plan exactly. In fact, you might even beat it!
Who This Spreadsheet Is For
This spreadsheet is perfect for:
- People with multiple debts who want a clear plan
- Those using the Snowball or Avalanche method
- People who are motivated by seeing progress
- Anyone who doesn’t want to use a complicated debt spreadsheet
It’s not for:
Debt relief, counseling, or consolidation. We don’t offer that. This is a free tool to help you manage your own plan, your own way.
See What’s Possible
“I started with your spreadsheet last September (1 year ago) with £30,000 short term debt. I have just reached 50% paid off. THANK YOU. I could not have achieved this much without you.
I am obsessed with the tracking and nerdy plan facts. I love trying to “beat” it. I also have a budget for Christmas and car repairs for the first time in my life!
Thank you again & again.
Sarah, England
A Better Budget Makes Debt Payoff Work Even Better
Having a good budget can make all the difference on your journey to pay off debt, but most budgeting systems are hard to stick with. That’s why we created something different. It’s simple, empowering, and completely free!
We got rid of categories, monthly planning sessions, color-coded highlighters, and all the stress that comes with them. And with that, we also let go of the guilt, the shame, and the feeling of failure. What was left? Something… happier.
Learn more about our free budgeting spreadsheet!
Ready to Download the Spreadsheet?
The first step doesn’t have to be perfect, it just has to happen.
Help Is Always Free
If you need any help along the way just contact us at hello@HappyGiraffe.org. Help is always free. We won’t judge where you’re starting from, and we’ll never try to upsell you. We created the nonprofit so that everyone can have access to basic budgeting help. We are supported by sales of the book and donations from you (if you like the help we give you or you just want to support our cause).
