Completely rebuilt for 2026

Watch your debt disappear

List your debts once and the Debt Tracker hands you a real payoff plan: the exact month you'll be debt-free, what extra payments actually save you, and a wall of squares that crosses itself off as you go.

Google Sheets + ExcelSnowball simulator built inInstant download
Get the Debt Tracker — $17 See the numbers ↓
The minimum payment trap

Paying and paying, and the balance barely moves

You make every payment on time. You're doing everything right. And somehow the credit card balance looks almost exactly like it did a year ago, because minimum payments are designed to keep you exactly where you are.

What actually changes things isn't paying more everywhere. It's pointing every extra dollar at one debt, knocking it out, then rolling that whole payment into the next one. That's the snowball, and it works. The hard part has always been seeing it: knowing which debt is next, what your extra $50 or $100 actually does, and when, on the calendar, you'll be free.

That's exactly what this spreadsheet shows you, automatically.

"I don't need a lecture about lattes. I need to know the date this ends."

The number that changes everything

See what the snowball saves you

Enter your debts and one number for your monthly extra payment. The Payoff Plan runs both futures side by side. Here's a sample plan with three everyday debts and $100 extra a month:

Minimum payments only

Medical bill · Visa · Car loan
Paying the minimums, nothing more
Debt-free in 56 months
$4,273 paid in interest along the way

With the snowball plan

Same debts, plus $100 extra per month
Each payoff rolls into the next debt
Debt-free 18 months sooner
and $1,281 less paid in interest. The plan calculates this for YOUR debts.
Run your numbers

Find your debt-free date

Rough numbers are fine. This is a taste of what the Payoff Plan does with your exact debts, rates, and payoff order.

$25,000
12%
$550
$100
Your debt-free date
—
Sooner than minimums
—
Interest saved
—

Get my full payoff plan — $17
How it works

Three inputs. A complete plan.

01
10 minutes, once

List your debts

Every balance, rate, and minimum payment on one Debt Overview tab. Then number them in the order you want them gone. Smallest first for quick wins, or highest interest rate first to save the most. Your call, the math follows.

02
One number

Tell it your extra payment

Even $25 a month changes the plan. Add a one-time kickoff amount if you have one. The simulator instantly maps every month between you and zero, including the exact payoff date for each debt.

03
Every payday

Update balances, watch the wall fall

Update your balances as you pay things down. The dashboard recalculates your debt-free date, the Crusher wall crosses off squares on its own, and your milestone rewards flip to Earned. Motivation, automated.

See inside

Watch it work, before you buy

Actual screens from the tracker, shown with a sample family carrying four everyday debts and paying $150 extra a month. Every number was calculated by the spreadsheet itself.

Debt Dashboard
Debt Dashboard
Your whole debt-free journey at a glance.
DEBT REMAINING
$27,080
PAID OFF SO FAR
$7,620
% OF DEBT GONE
22%
DEBT-FREE DATE
Nov 2029
Progress
Payoff Plan
When Each Debt Disappears
The snowball engine maps every month between you and zero.
Debt (in payoff order)Paid Off
Medical billAug 2026
VisaSep 2027
Car loanFeb 2029
Student loanNov 2029 — debt-free!
The snowball saves you 62 months and $2,440 compared to minimum payments only.
Debt Crusher
Debt Crusher
Squares cross themselves off automatically as balances drop.
Crushed $7,620 of $34,700 (22%)
$100$100$100$100$100$100$100$100$100$100 $100$100$100$100$100$100$100$100$100$100 $100$100$100$100$100$100$100$100$100$100 $100$100$100$100$100$100$100$100$100$100 $100$100$100$100$100$100$100$100$100$100
…the full wall covers your entire debt, square by square
Debt Overview
Debt Overview
Your command center. Update balances as you pay, everything follows.
DebtBalanceAPRPayoff Order
Medical bill$4800%1
Visa$3,90022%2
Car loan$13,8006.5%3
Student loan$8,9005.5%4
Total$27,080
You choose the order: smallest first for quick wins, or highest rate to save the most.
Rewards
Reward Tracker
Milestones flip to Earned automatically as you pay debt down.
10%Fancy coffee + a quiet hourEARNED!
20%Family pizza nightEARNED!
30%New book stack$10,410 paid
50%Spa afternoon$17,350 paid
100%DEBT-FREE PARTY 🎉Nov 2029
Payoff Plan
Snowball vs. minimum payments
Same debts, same income. The only difference is the plan.
Your snowball plan  ·  debt-free in 39 months
Minimum payments only  ·  101 months
62 months sooner and $2,440 less interest, calculated for this sample family's real numbers

There's a date on the other side of this

Not "someday." A month and a year, calculated from your real numbers.

Watch it work

Every tab, in about a minute

A guided tour through the real spreadsheet: list your debts, set one extra payment, and watch your debt-free date, the Debt Crusher wall, and your milestone rewards build themselves.

Get the Tracker — $17
What's inside

Built to keep you going, not just get you started

📉

Payoff Plan simulator

A month-by-month snowball engine that shows when every single debt disappears, and runs the minimums-only version next to it so you can see the savings.

🧱

The Debt Crusher wall

The beloved grid from the original, now automatic. Every square is $100 of debt (you set the amount), and squares cross themselves off as balances drop.

📊

Debt Dashboard

Remaining, paid off, percent gone, your debt-free date, and the road-to-zero chart. Open it on the hard days.

🏆

Reward Tracker

Ten milestones from 10% to 100% with a space for your reward at each one. They flip to Earned automatically. Yes, you should absolutely book the massage.

📋

Loan Schedule

A clean amortization schedule with an extra-payment column. Duplicate the tab for every loan you want to track payment by payment.

📖

Start Here guide

A guided 10-minute practice run with a practice debt, a walkthrough of every tab, and troubleshooting, all inside the spreadsheet. No video to watch, no course to take.

Is this for you?

Made for the mom who is done with the balance

You're juggling a few debts (credit cards, a car loan, medical bills, student loans) and want one plan that covers all of them.

You can find $25 to $200 extra a month and want to know exactly what it buys you.

You've started debt payoff before and fizzled, because there was nothing keeping the momentum visible.

You want the numbers handled for you. If you can fill in a row, you can run this entire system.

You're a visual person. Charts, progress bars, and a wall of squares beat a lecture every time.

You want your partner on board. One shared spreadsheet with one visible date gets both of you rowing the same direction.

Monica Froese
Hi, I'm Monica

Momentum is the whole game

I've watched a lot of families start debt payoff with a burst of willpower and quit three months in. It's never because the math stopped working. It's because they couldn't see it working. The balance was smaller, but nothing felt different.

That's why this tracker is built around what you can see: a wall that comes down square by square, milestones that celebrate you at every 10%, and a debt-free date that gets closer every time you update a balance. When you can see it, you don't quit.

Get instant access

Less than one late fee. A whole plan.

The Debt Tracker™ 2.0
$17
One-time payment · Instant download
  • Snowball Payoff Plan with the savings comparison
  • Debt Dashboard with your debt-free date
  • The automatic Debt Crusher wall
  • Reward Tracker with 10 auto-earned milestones
  • Duplicatable per-loan amortization schedules
  • Complete Start Here guide, no video needed
  • Works with Google Sheets and Microsoft Excel
Get the Debt Tracker — $17

Delivered instantly: click your link and your own copy saves straight into your Google account. Excel download included.

Pairs perfectly with

The Family Budget Spreadsheet™ 2.0

Debt payoff sticks when the rest of your money has a home too. The Family Budget Spreadsheet runs your whole year from one transaction log, with five dashboards of its own.

See the Budget Spreadsheet →
Questions, answered

Before you ask

Your choice. You set the payoff order yourself: number your debts smallest-balance-first for the classic snowball, or highest-rate-first for the avalanche. The simulator runs the math for whichever order you pick.

The Payoff Plan simulates up to 8 debts at once, which covers the vast majority of families. The Loan Schedule tab can be duplicated for as many individual loans as you want to track in detail.

The plan will tell you. If a payment doesn't cover a debt's monthly interest, that debt shows "raise payment" instead of a fake date. No wishful thinking, just honest math.

Both. Your purchase link saves a personal copy directly into your Google account — no downloads, no importing, you're building your payoff plan 30 seconds after checkout. Prefer Excel? One click inside the spreadsheet (File → Download → Microsoft Excel) and you have the .xlsx version. Every formula and chart works in both.

No. The budget spreadsheet includes a simple debt overview: balances, payments, and payoff dates. This tracker is the deep dive: the full snowball simulator with the savings comparison, the Crusher wall, milestone rewards, and per-loan amortization schedules.

No. The Start Here tab walks you through a 10-minute practice run with a practice debt, so you see the payoff plan, the Crusher wall, and your debt-free date appear before you enter a single real number. There's also a where-do-I-type map, a guide to every tab, and a fix-it section. Calculated cells are locked, so you can't break the math by accident.

Your debt-free date is in there

Ten minutes of setup and you'll know the month this ends. That knowledge changes everything.

Get the Debt Tracker — $17