{"product_id":"clean-slate-debt-payoff-tracker-spreadsheet","title":"Debt Payoff Tracker Spreadsheet | Snowball \u0026 Avalanche | Excel \u0026 Google Sheets | Clean Slate","description":"\u003cp\u003e\u003cstrong\u003eClean Slate\u003c\/strong\u003e 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.\u003c\/p\u003e\n\u003ch3\u003eWhy you'll love it\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eYour debt-free date:\u003c\/strong\u003e right at the top of the dashboard, updating as you pay.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball or avalanche:\u003c\/strong\u003e pay the smallest balance first for quick wins, or the highest interest first to save money. Switch with one dropdown.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball vs avalanche, compared:\u003c\/strong\u003e months to debt-free, total interest and your first win, side by side for your actual debts.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA month-by-month payoff plan:\u003c\/strong\u003e every debt gets its minimum, the extra goes to one focus debt, and paid-off payments roll onto the next.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThis month's payments:\u003c\/strong\u003e what to pay on each debt, its due day, and which one is your focus.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA dashboard that updates itself:\u003c\/strong\u003e total debt, paid off so far, months to go, interest ahead, a path-to-zero chart, a paid-off ring and payoff order.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProgress you can see:\u003c\/strong\u003e a 100-square tracker that fills as you pay, milestones at 25%, 50%, 75% and debt-free, plus a reward to look forward to.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment log and balance history:\u003c\/strong\u003e record every payment and watch your total go down month by month.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePhone View:\u003c\/strong\u003e your focus debt and debt-free date on the go.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAny currency:\u003c\/strong\u003e set to ₱ by default, changeable in one cell.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat's inside: 11 tabs\u003c\/h3\u003e\n\u003cp\u003eStart Here · Setup · Dashboard · Phone View · My Debts · Payoff Plan · Snowball vs Avalanche · Payment Log · Balance History · Progress Tracker · Notes \u0026amp; Wins\u003c\/p\u003e\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e2 spreadsheet files (.xlsx): one with a sample plan to explore, and one blank for your debts\u003c\/li\u003e\n\u003cli\u003eA Start Here PDF with step-by-step setup\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWorks in\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eMicrosoft Excel:\u003c\/strong\u003e open the .xlsx file\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGoogle Sheets:\u003c\/strong\u003e upload to Google Drive, then File › Save as Google Sheets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eGood to know\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThis is a digital product. No physical item will be shipped.\u003c\/li\u003e\n\u003cli\u003eTracks up to 10 debts and plans up to 10 years ahead.\u003c\/li\u003e\n\u003cli\u003eThe plan is an estimate that assumes no new charges and steady interest rates. It's a planning tool, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFormulas are protected (no password) so they don't break by accident; input cells are lightly tinted.\u003c\/li\u003e\n\u003cli\u003eFor personal use. Please don't resell or share the files.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"TastyTemplates","offers":[{"title":"Default Title","offer_id":63733209792652,"sku":null,"price":10.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0798\/9896\/8204\/files\/Clean_Slate_Cover.png?v=1794246378","url":"https:\/\/npk1v3-bj.myshopify.com\/products\/clean-slate-debt-payoff-tracker-spreadsheet","provider":"TastyTemplates","version":"1.0","type":"link"}