The Single Best Debt Tracker Spreadsheet You’ll Ever Use

the best debt tracker spreadsheet

Start tackling your debt in a matter of minutes.

Meet the Easy Money Spreadsheet.

What you'll receive:

1. Debt Tracker Template

2. Bill Pay Checklist

3. Budgeting Spreadsheet

4. Savings Tracker

Stop feeling stuck with your debt.

Know exactly where your money is going.

A budget you can actually stick to.

Give yourself financial security.

Compatible with:

If you’ve heard it once, you’ve heard it a thousand times:

Budget your money and pay off debt.

So maybe you’ve come up with a debt payoff plan. Or downloaded a few debt tracker apps.

But still…

It’s hard to find something that really sticks with you, right?

You’re not alone.

Before we made our Debt Tracker Spreadsheet, our inbox was full of the same messages:

“I’m overwhelmed with my debt. Between interest rates, minimum payments, and large balances, it feels like I’m going nowhere fast.”

“I’m ready to pay off my debt but I need a debt tracker that will make this process easier.”

So we polled our customers and created an entire spreadsheet based on what matters most.

It’s not about complicated software with overly-fancy charts, graphs, and tables.

It’s about a financial toolkit that you’ll actually use.

A way to track your debt that doesn’t take up hours of your time. A way to keep things simple, but still keep you motivated during your debt-free journey.

And we’ve done just that.

About The Debt Tracker Spreadsheet:

If I could go back to the first day I started paying off debt, I’d tell myself, “This process will be a whole hell of a lot easier if you actually track your debt.“

Interest Rates. Repayment time. Car loans. Credit cards. Student loans. Debt snowball. Debt avalanche. Etc. Etc. Etc.

Sometimes it can get a little overwhelming, right?

This debt tracker brings you back to the basics. It focuses on what actually matters:

Avoiding burn out and making progress.

How it Works:

List your debts and their starting balances. As you make payments, you’ll see the balance automatically decrease.

At the end of the year, you’ll know exactly how much progress you’ve made and how far you have to go.

So whenever you start feeling overwhelmed, you can look at your spreadsheet to remind yourself of all the work you’ve done.

Most importantly?

You’ll inspire yourself to keep going.

About The Bill Pay Checklist:

Here’s a situation you might be familiar with:

You organize all your bills and their due dates. You write down every fixed and variable expense you can think of.

You’ve remembered everything.

…or so you thought.

A week later, you realize you forgot about a variable expense. Annoyed, you kick yourself for forgetting it.

Now you have to go back and add it into your budget. Not to mention, you’ll have to find the money to cover it.

Sound familiar?

It’s an easy mistake, and it’s happened to all of us at some point.

So you asked, and we delivered.

The first step to winning financially starts with organizing your bills. So when you asked for an easy way to keep track, we knew we had to include a bill pay checklist alongside our debt tracker spreadsheet.

Now you won’t have to worry about those Oh-crap-I-didn’t-plan-for-this kind of moments.

How it Works:

In the bill and payment columns, you’ll enter in the bill information. Then, you’ll type in the due date and select whether it’s auto-pay or not. (Y/N)

As you make your monthly payments, you’ll click the checkbox to signify its completion.

Managing your bill payments has never been easier. From a quick glance you’ll know which bills are due, when, and how much.

About The Budgeting Spreadsheet:

Have you heard the saying time is money?

That’s the way we feel about financial planning. It’s important, but it shouldn’t cost you hours of your time.

So our goal was to make a simple budgeting spreadsheet that tells you exactly what’s coming in and going out each month.

Take the guesswork out of budgeting. You don’t need to be a math nerd or financial expert, you just need to spend a few minutes each week managing your money.

No stress, no headache.

This budgeting spreadsheet comes with 12 pre-formatted templates that do the work for you.

It’s time to get an accurate picture of your money so you can make decisions based on the facts of your financial life.

Are you ready?

How it Works:

The left column is for your planned income.This is what you intend to make.

The right column is for your actual income. This is what you actually make.

There is space for 25 expenses, so you’ll have plenty of room to include every expense.

As the weeks go by, you’ll update the actual income and actual expenses columns with what you actually spent.

At the bottom of your spreadsheet, you’ll see that the calculations automatically update your totals for you. This way, you’ll know exactly how much money you have left.

Note: The calculations are automatically computed for each of the templates including the debt tracker spreadsheet, the savings tracker, and the budgeting template.

About The Savings Tracker

Can I be honest?

Saving money for the sake of saving money doesn’t usually work for most of us.

Why? Because we have to set financial goals that we can stick to and be motivated by.

So what are your financial goals?

Do you want to save for a home? Build a safety net? Get out of debt and pay cash for a vacation?

Put your goals in the forefront and track them monthly.

How it Works:

Start by customizing the cells for your own goals. For example, you might change “Vacation Fund” to “Save for a car”

Once you customize your savings goals, you’ll type in the amount of money you’d like to save.

As you save money each month, you’ll update the savings tracker to reflect that. The tracker will tell you how much you’ve saved and how far you have to go.

Frequently Asked Questions:

Is this spreadsheet customizable? Can I change the fonts, colors, formulas, and titles?

Yes! This spreadsheet is fully customizable, so feel free to change it as you wish.

Is this spreadsheet compatible with other platforms besides Google Sheets?

Yes, it’s also compatible with Excel, Numbers for Mac, iPhones, and Androids.

I get paid by the week, can I still use this budgeting template?

Yes! Whether you get paid weekly, biweekly, or monthly – this budgeting template will work for you.

Does the debt template work for the debt snowball and debt avalanche methods?

Yes!

How many kinds of debt can I enter into the debt spreadsheet?

The default spreadsheet allows you to enter up to 12 debts, but you can add more or delete some if necessary.

How To Know if This Debt Tracker Spreadsheet is Right For You

There’s plenty of financial spreadsheets out there online, so it’s important that you find one that’s right for you.

So I know what you’re thinking:

How do I know if this spreadsheet is right for me?

To answer your question, you’ll like this financial spreadsheet if…

You prefer simplicity. We wanted you to be able to understand each box in this financial toolkit, so we kept it simple.

You prefer ease-of-use. Even when you understand every feature and box, you won’t stick to it if it’s a hassle to use. To make a financial plan you can actually stick to, we made it easy to use.

You want to modify the template to fit your life. Personal finance is personal, so the ability to add or delete rows, change colors, and make adjustments is important. Your template should change to fit your financial needs, not the other way around.

You like that it’s available online. You want to be able to edit your toolkit anywhere, anytime, from any device.

It fits into your budget. As with any item, you have to decide if it makes sense financially. When you use this spreadsheet to manage your money wisely, then it will easily pay for itself within a week or two.

278 customer reviews

☆☆☆☆☆ 4.5/5

4.5 out of 5 stars

Showing 1-10 of 278

Nicole Jamey

☆☆☆☆☆ 5/5

Verified Purchase

Very helpful!

I've never had problems paying my bills, but I've always struggled with saving money and budgeting. So I knew I needed something that would help me budget my money, not just get out of debt. I am still in the "baby steps" with this debt tracker spreadsheet, but I am already loving it!

Adam Lafoyette

☆☆☆☆☆ 5/5

Verified Purchase

like it a lot

Very helpful in organizing my money. It took my awhile to find a good debt snowball spreadsheet for google docs, so i'm happy i finally found one i can use.

Melanie Elder

☆☆☆☆☆ 4/5

Verified Purchase

Great debt snowball spreadsheet for google docs

Seriously wish I would've found this earlier - I wouldn't have racked up so much credit card debt and I would've started saving money earlier in life. Thankfully now, I've started saving my money and budgeting. Now I don't have to worry about where my money went because Im able to track my bills in less than 5 minutes and identify the spending leaks in my budget.

Andie Evans

☆☆☆☆☆ 5/5

helpful thank you

I bought the previous version and it has been such a blessing and helpful tool in my life. I didn’t hesitate to buy this new version because of the improved changes and included extra savings tracker.

Amy Mardenos

☆☆☆☆☆ 5/5

Verified Purchase

Common FINANCIAL sense is not that common - this spreadsheet really helps!

Received the spreadsheet right after my purchase. I love the design and I'm so excited to pay off my debt. Thank you. My goal is to get out of debt within the next 8 months. I have student loans and medical bills im trying to pay off. I like that this spreadsheet is a complete financial toolkit and not just about paying off debt. I've learned that if you want to pay off debt, it all starts with your budget! If I could add one recommendation it would be to create a printable workbook in the future to go along with the spreadsheet.

Kyle D.

☆☆☆☆☆ 5/5

Verified Purchase

Been using it for 7 months and i'm enjoying it so far

Appreciate it. thank you

Jennifer G.

☆☆☆☆☆ 5/5

Verified Purchase

5 stars

Great tool for budgeting and paying off my debt. It's motivating to feel like I have a better hold on my financial life.

Kelly Hogan

☆☆☆☆☆ 4.5/5

Verified Purchase

Got it as a gift

My mom bought me this tool because she wanted me to get organized financially, and it's inspired me to manage my money better. If you want to manage your money but don't know where to start, then buy this debt tracker spreadsheet.

Casey Williams

☆☆☆☆☆ 5/5

Verified Purchase

Simple debt payoff calculator for excel

I dont like pen and paper budgets, so that's probably why I never stuck with them. I like how all i have to do is enter in my numbers and the calculations are done automatically. Its one less thing that I have to do. Definitely deserved to buy.

Greg T.

☆☆☆☆☆ 4.5/5

Verified Purchase

Simple easy to follow

thanks was looking for something simple and this helps.

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$36

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