Debt Payoff Tracker A clear order and a page to color

Yes. Editing, previewing, PDF downloads, PNG downloads and printing are free, with no registration or watermark. You can start with the fictional examples to understand the sheet, then replace the names and numbers or clear the list. A finished export contains the information you entered, so review the sample rows before printing a copy for your own records.

Snowball sorts positive current balances from smallest to largest. Avalanche sorts active debts by annual interest rate from highest to lowest. Equal values keep their input order, and paid-off debts appear at the bottom. The CFPB explains that small completed debts may support motivation, while focusing on higher rates can reduce costs. Neither choice here calculates those savings; use the source linked in the guide to understand the methods.

No. It calculates your current ordering, totals and progress from the values you enter. It does not accrue interest, forecast future balances, allocate an extra-payment budget or produce an amortization schedule. The minimum-payment total is just the sum for debts whose current balances are above zero. For a future repayment date, use a dedicated calculator and check its assumptions against your lender’s actual terms.

Each of the 100 cells represents 1% of your total reference balance. With a reference total of 5,000, one cell corresponds to 50 of balance reduction. Only completed whole percentages are filled: 12.8% fills 12 cells. You can print the grid unfilled for hand coloring without removing the numeric summary. If the total reference balance is zero, progress displays as zero rather than dividing by zero.

Progress compares your chosen starting balances with your current balances. A payment may include interest or fees, and later charges can increase what you owe, so money paid is not necessarily the same as balance reduction. Use current statement figures instead of subtracting payments yourself. The displayed percentage stays between 0% and 100%; if current balances exceed the reference total, a notice appears and the coloring does not go below zero.

Keep it if you want the chart to continue measuring against the same original total. Set its current balance to zero; it moves below active debts and its minimum is excluded from the active-payment total. The reference balance still contributes to overall progress. Removing the row removes both of its balances from the calculation, which can change the percentage even though you have not made another payment.

Yes. Choose portrait A4, 210 × 297 mm, or US Letter, 8.5 × 11 inches, to match your printer. Download the PDF to your phone and open it in a PDF viewer or a compatible printing app. Select 100% or Actual size and review the page preview. PNG export is also available at 300 dpi. Printer controls vary, so check the selected paper rather than relying on the app’s default.

The currency field is an editable label for the whole page. Use the same currency for every debt; no conversion is performed. Enter a decimal point or decimal comma without thousands separators, for example 1250.50 or 1250,50. Amounts must be from zero to 999999999.99, and annual rates from zero to 100 percent. Negative, empty or invalid numeric inputs block export until corrected.

The tool processes the values in your browser and does not upload or automatically save them. There is no bank connection, financial login or account sync. Refreshing or closing the page loses the entries, so save your PDF or PNG before leaving and keep your source figures separately. Exported files can contain sensitive amounts; use nicknames rather than account identifiers if you do not need those details on paper.

This layout supports up to eight rows so the table and coloring grid fit on one portrait page. For a larger list, you can prepare separate sheets, but each sheet will show its own totals and percentage. If you need a single combined ranking, payment history or a longer financial model, a spreadsheet or dedicated debt planner is a better fit than splitting the list and treating separate percentages as one result.