WB WorkbookBarn All workbooks

Free calculator · nothing to download

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.

Get the workbook · $12.99

See what is inside the workbook

Keep it

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.

Buy on Etsy · $12.99What is inside →

Email me these results

We'll send this result plus the matching worksheet. No spam, unsubscribe anytime.

Last updated: October 2026

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.

WorkbookBarn · All free calculators · Workbooks