Debt Payoff Tracker Spreadsheet | Snowball & Avalanche | Excel & Google Sheets | Clean Slate

Clean Slate is a calm, encouraging debt payoff tracker. Add your debts and how much you can pay each month, and it builds your month-by-month payoff plan, shows your debt-free date, and tells you exactly what to pay on each debt.

Why you'll love it

• Your debt-free date: right at the top of the dashboard, updating as you pay.
• Snowball or avalanche: pay the smallest balance first for quick wins, or the highest interest first to save money. Switch with one dropdown.
• Snowball vs avalanche, compared: months to debt-free, total interest and your first win, side by side for your actual debts.
• A month-by-month payoff plan: every debt gets its minimum, the extra goes to one focus debt, and paid-off payments roll onto the next.
• This month's payments: what to pay on each debt, its due day, and which one is your focus.
• A dashboard that updates itself: total debt, paid off so far, months to go, interest ahead, a path-to-zero chart, a paid-off ring and payoff order.
• Progress you can see: a 100-square tracker that fills as you pay, milestones at 25%, 50%, 75% and debt-free, plus a reward to look forward to.
• Payment log and balance history: record every payment and watch your total go down month by month.
• Phone View: your focus debt and debt-free date on the go.
• Any currency: set to ₱ by default, changeable in one cell.

What's inside: 11 tabs

Start Here · Setup · Dashboard · Phone View · My Debts · Payoff Plan · Snowball vs Avalanche · Payment Log · Balance History · Progress Tracker · Notes & Wins

What you get

• 2 spreadsheet files (.xlsx): one with a sample plan to explore, and one blank for your debts
• A Start Here PDF with step-by-step setup

Works in

• Microsoft Excel: open the .xlsx file
• Google Sheets: upload to Google Drive, then File › Save as Google Sheets

Good to know

• This is a digital product. No physical item will be shipped.
• Tracks up to 10 debts and plans up to 10 years ahead.
• The plan is an estimate that assumes no new charges and steady interest rates. It's a planning tool, not financial advice.
• Formulas are protected (no password) so they don't break by accident; input cells are lightly tinted.
• For personal use. Please don't resell or share the files.