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Debt Payoff Tracker

Type your extra monthly payment in the blue cell. Everything else reads MY DEBTS.

WHAT YOU CAN ADD

WHERE YOU STAND

Number of debts
TOTAL DEBT
Total minimum payments
Weighted average interest rate
Interest you pay this month alone

PAYING ONLY THE MINIMUMS

Months to debt-free
That is this many years
Total interest paid

ADDING YOUR EXTRA PAYMENT

New total monthly payment
MONTHS TO DEBT-FREE
That is this many years
Total interest paid

WHAT THE EXTRA BUYS YOU

Months sooner you finish
INTEREST SAVED
Every $1 extra saves you this much

My Debts

One debt per row. The last three columns fill themselves in.

DebtBalanceRate (APR)Minimum paymentMonths at minimumSnowball orderAvalanche order
1
2
3
4
5
6
7

Where that leaves you

Want it as a spreadsheet you own?

The full workbook adds the tabs this page cannot: a monthly log, a dashboard with charts, and your own copy that works offline in Google Sheets or Excel. One purchase, no subscription.

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Debt Payoff Tracker — the full workbook

Same formulas as this calculator, plus the tabs, the charts and a 12-month history that this page cannot hold. Google Sheets and Excel. One purchase, no subscription.

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Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.

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