Debt Payoff Tracker Printable

List every debt, choose your payoff order, and watch the thermometers fill as each balance goes down.

Debt Free 2027 printable debt payoff tracker pack

Preview of all eight pages in the debt payoff tracker pack

Debt thermometers: color a segment for every 10 percent paid off

My Debts list with balance, rate, minimum payment and payoff order

100-box debt-free countdown and badges to color as you go

A debt payoff tracker you can see

Paying off debt takes months, and most of those months feel the same. A printed tracker on the fridge changes that. Every payment becomes a colored segment, a filled box or a new badge, so you can see how far you've come instead of only how far is left.

What's inside (8 pages)

How to Play and My Debt-Free Promise. Your total to beat, target date, reward and reason why.
My Debts. 12 rows for balance, interest rate, minimum and payoff order, with a snowball or avalanche picker.
Debt Thermometers. Four per page. Color a segment for every 10% paid off.
Debt-Free Countdown. 100 boxes, each worth 1% of your total debt.
Payment Tracker. One debt, 24 payments, with interest and new balance.
Monthly Check-In 2027. January to December: paid, extra, total left and a win of the month.
Snowball Wins. Log each debt you pay off and roll its payment into the next one.
12 badges. First Payment, Halfway, One Down, Debt Free and more.

Snowball or avalanche?

The snowball method pays the smallest balance first, then rolls that payment into the next smallest. You get quick wins that keep you going. The avalanche method pays the highest interest rate first, which usually costs less overall. The My Debts page works for both. Pick one, number your debts in that order, and the rest of the pack follows it.

Sizes and printing

Four PDFs: US Letter, A4, A5 (planner and binder size) and a low-ink Letter version. Print as many copies as you need for your own use.

Questions

Does it calculate my payoff date?

This pack is printable, so you fill it in by hand. For automatic payoff dates, see our Debt Snowball spreadsheet on Etsy.

How many debts can I track?

Up to 12 on the My Debts page, with four thermometers per page (print extra pages for more).

Is anything shipped?

No. It's an instant digital download.

Can I use it after 2027?

Yes. Only the monthly check-in is dated; the rest works any year.

Get the Debt Free 2027 Printable Pack – $2.99

More trackers

Christmas Gift & Budget Planner ($4.99)
2027 Savings Challenge Pack ($3.49)