Debt paperwork fails in a boring way: payments leave the account, nothing gets written down, and by month three nobody knows what's left. This page is one printable sheet that slows that down. Eight rows for the debts - who gets paid, the balance, the minimum, the due date. One payoff bar with eight segments, one segment per payment. One small payment log. Print it at 100% scale, write on it, and when it fills up, print another. The 24-page pack this sheet comes from is linked at the bottom.
How to use this page: print at 100% scale - everything lands on one sheet. Copy each balance from the latest statement, not from memory. Fill the eight debt rows first; the due-date column is the one that keeps minimums from slipping. Then ignore the bar until you actually make a payment - one segment filled per payment, nothing filled in advance.
The one-page debt payoff sheet
Nothing here computes anything. There is no interest column and no calculator - the sheet holds what you owe and when it's due, and your handwriting holds the numbers. The bar and the log only record what already happened.
Debt payoff tracker - one page
Who gets paid, what's owed, when it's due. Every number on this sheet is yours to write in.
Month:
Debts - all of them, cards, loans, medical, anything owed
#
Creditor
Balance
Min payment
Due date
1
2
3
4
5
6
7
8
Payoff bar - one segment per payment
1
2
3
4
5
6
7
8
After each payment, write the remaining balance in the next segment. A segment a payment, in any order you've chosen.
Payment log - the last six, newest on top
Date
Amount
Which debt
4 opinions on keeping this sheet alive
Pick one payoff order and stay with it. (Opinion, and not a vote for either order.) Smallest balance first, highest rate first - both are just ways of numbering the same eight rows, and the sheet records either one. What kills trackers is switching orders halfway, because the bar stops meaning anything. Choose once, write the order in the margins if it helps, and let it ride until a row is gone.
Take the balances from today's statements, not from memory. (Opinion.) Memory rounds balances down - the number you remember is always a few weeks old and always a little too optimistic. Eight rows copied straight off the current statements take ten minutes, and they're the only version of the sheet that means anything.
Fill a bar segment the day a payment clears. (Opinion.) The bar is the part of the sheet that survives week three, but only if it gets filled while the payment is fresh. Batch-filling the bar at month end turns it into bookkeeping; filling it the day the payment lands is the whole reward, and it costs fifteen seconds.
When the log fills, print a fresh page instead of squeezing. (Opinion.) Six log rows and eight bar segments run out eventually, and that's the point of a printable. Don't write in the margins or cross out old rows - print a clean copy, carry the balances over from the last sheet, and keep the filled one as the record.
What the full 24-page pack adds
"The debt tracker gives you both orders on purpose: sort by smallest balance and you get the snowball, sort by highest rate and you get the avalanche. The how-to page explains the honest tradeoff (math vs motivation) so you can pick the one you'll actually stick to." - the product README
Debt Tracker Master sheet: 10 debts with balance, APR, minimum payment, and pre-numbered snowball and avalanche order columns, plus a totals strip for total debt and total minimums per month.
Snowball Payoff Tracker: 10 color-in progress bars, one cell per payment, each with a balance line and a payoff-date line to write in.
12 monthly budget sheets: income, expenses, debt payments, and a leftover-to-debt line, one month per page.
14 fold-style cash envelopes: cut on the solid border, fold on the dashed line, glue the short sides; category and cash box on the front, 20-line balance log on the back. Categories include groceries, gas, dining out, entertainment, health, car, gifts, savings and more.
Sinking funds and bills: 8 funds tracked over 12 months, plus a 10-bill by 12-month payment checklist.
Progress chart: a blank 12-month debt-total line graph and a notes-and-wins page.
Printing: two files, same 24 pages - A4 and US Letter PDFs, print at 100% scale, everything works in grayscale. Reprint any sheet whenever it wears out.
License: personal use - print as many copies as you need for your own household. No reselling or republishing the files.
Honest note: this page is a sheet for writing numbers on, nothing more. It is not financial advice - nothing here tells you whether to pay a debt, which one to pay first, or how fast any of it goes. The amounts, the dates and the order you choose are entirely yours; the tips above are opinions from use, not research findings.