Template
Debt payoff spreadsheet: the tracker that keeps itself current
A debt payoff spreadsheet is a proven layout: balance, rate, minimum, extra payment, payoff date. It works — until a payment misses an update and the "current" column lies. This page gives you the working layout, then shows the same tracker maintaining itself on a dated calendar.
- The proven columns
Balance, rate, minimum, extra, payoff date — the layout that works.
- Payments auto-repeat
Scheduled payments keep balances current without manual edits.
- Payoff dates projected
Each debt's clearance date stays live as payments land.
- Free either way
The app's core tracking is free — cheaper than the hours a sheet costs.
The spreadsheet layout that works
| Column | Purpose |
|---|---|
| Debt | Which account or lender |
| Balance | Current amount owed |
| APR | Interest rate — orders the avalanche |
| Minimum | Required monthly payment |
| Extra | Additional monthly amount |
| Payoff date | Computed by the formula |
When the sheet starts lying
A spreadsheet's payoff date is only true until the next payment, rate change, or forgotten row. A dated app updates balances and dates automatically with every scheduled and actual payment — the tracker stays true with zero upkeep.
Frequently asked questions
Can I get a debt payoff spreadsheet template?
Yes — the six-column layout above is the standard, fully documented here.
Is an app better than a spreadsheet?
For live tracking, yes: payments update balances and payoff dates automatically.
Can I export to a spreadsheet?
Yes, CSV export anytime.
The layout you trust, kept current
Free core, one-time Pro, no bank linking.