Debt Payoff Tracker For Google Sheets
See every debt, pick a payoff method, and watch the debt-free date move closer each month.
- Who it’s for
- Anyone paying off credit cards, loans, or other debt who wants a clear plan and a real payoff date instead of guesswork.
- Problem it solves
- Most debt trackers are either a single total that never updates or a tangle of tabs you abandon by month two. This one lists every debt, compares snowball vs avalanche, and projects a payoff date — then stays current so the plan keeps working.
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Key benefits
- One place for every balance, interest rate, and minimum payment
- Side-by-side snowball vs avalanche comparison
- A projected debt-free date that updates as you pay
- Progress tracking with paid-off and remaining totals
- Works on desktop and the Google Sheets mobile app
- Optional Avery bank sync so balances stay current automatically
The Debt Payoff Tracker is Avery's plan-and-progress sheet for getting out of debt in Google Sheets. It sits between a single "total owed" number (useless for planning) and a complicated payoff app (too rigid to trust): every balance, rate, and minimum is in one place, the snowball and avalanche methods are already wired up, and the debt-free date is calculated for you.
Who it's for
- People juggling multiple debts who want one view of every balance, rate, and minimum.
- Anyone choosing a strategy who wants to compare snowball vs avalanche before committing.
- Motivation-driven payers who need to see the debt-free date move to stay on track.
- People leaving a budgeting app who want to own their payoff plan in a sheet they control.
What's inside
A pre-built Google Sheet with everything wired up:
- Debt list — every balance, interest rate, and minimum payment in one table.
- Method comparison — snowball vs avalanche, side by side, with payoff date and total interest for each.
- Payoff projection — a debt-free date based on your extra monthly payment and chosen order.
- Progress tracking — paid-off totals, remaining balance, and interest saved as you go.
The honest part
A debt payoff plan only works if the balances are actually current. Most trackers go stale because nobody wants to look up five balances and type them in every week — so the projected date drifts and people stop trusting it. This template assumes Avery handles that part — auto-syncing so your payments and balances stay current — which means the debt-free date is always real, not a guess.
Want the full walkthrough with snowball-vs-avalanche examples? Read the complete debt payoff tracker guide, or jump to the most-asked debt payoff questions. Want to free up more money to throw at debt each month? Pair it with the Monthly Budget template.
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Frequently Asked Questions
Is this debt payoff tracker really free?
Do I need Avery to use it?
Does it support both the snowball and avalanche methods?
Can I track any kind of debt?
Helpful next steps
Related guides
Questions & answers
15 answers on setup, deductions, categories, and taxes — written for answer engines and people in a hurry.
Browse all 15 Q&As →