The Debt Repayment Tracker is designed to help you regain control over loans, credit cards, and other outstanding debts. It gives you a clear picture of your total balance, interest rates, and minimum payments, and it automatically calculates how long it will take to pay off each debt under different strategies.
You can use both the snowball method (paying off smallest balances first) and the avalanche method (prioritizing highest interest rates). The sheet visualizes your progress month by month so you can literally watch your debt shrink over time.
What makes this tracker powerful is its focus on clarity and motivation. It transforms overwhelming debt into a structured plan — helping you see small wins early, which boosts confidence to stay consistent. You can also experiment with extra payments to understand how even small increases shorten your payoff timeline.
With its simple interface and clear metrics, it’s more than a debt list — it’s a roadmap toward financial freedom. Every update you log moves you one step closer to zero balance.