Debt Payoff Planner: Tracker
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Free printable debt snowball tracker

Updated by Debt Payoff Planner: Tracker

This debt snowball printable is a free two-page PDF for paying off debt on paper, with a list for up to 10 debts, a log for 24 months of payments and 50 boxes to color in as your total goes down.

  • Free, no sign-up
  • US Letter and A4
  • Prints in black and white

Download the printable

US Letter PDF (59 KB)A4 PDF (59 KB)

US Letter is the usual paper size in the US and Canada. A4 is the usual size in most other countries. Both files have the same two pages.

Page 1
A table for up to 10 debts, the three snowball steps and 50 progress boxes
Page 2
A payment log with one row per month for 24 months
Paper
US Letter (8.5 × 11 in) and A4 (210 × 297 mm)
Ink
Black and gray lines on white, with no color fills
Currency
Any. The sheet has no currency signs.

The two pages

Page 1 of the debt snowball printable with four fields, three steps, a table for 10 debts and 50 progress boxes. Page 2 with a payment log for 24 months.
Page 1 is for your debts and your progress. Page 2 logs 24 months of payments. Shown in US Letter.

How to fill it in

Use page 1 as a debt payoff worksheet when you start. Then use both pages as a tracker every month.

  1. List your debts Write each debt with its balance, APR and minimum payment. Start with the smallest balance and end with the largest. Add up the balances and the minimums in the Total row.
  2. Find your extra Write your monthly budget for debt. Take away the total of the minimums. What is left is your extra each month.
  3. Pay the minimums and the extra Pay the minimum on every debt. Put the extra on the first debt in your list that is not paid off yet.
  4. Roll the payment over When a debt is paid off, write the date and tick Done. Its minimum joins your extra for the next debt.
  5. Log each month On page 2, write what you paid and the total you still owe. Divide your starting total by 50. Each time your debt goes down by that amount, color one box on page 1.

Get your payoff dates from the calculator

The printable does not calculate anything. To see when each debt will be paid off, enter your debts in the free debt payoff calculator. Under the results, choose Print my plan. The printout shows your debt-free date, your debts in payoff order with the month each one is paid off, and the payment for every month. Its QR code opens the same plan again. Write the debt-free month in the Debt-free goal field.

Track the plan on iPhone instead

Debt Payoff Planner: Tracker is an iPhone app for the debt snowball and avalanche. You type in your debts, and it plans the payoff and records each payment. It is free for up to 3 debts, with no account and no bank link. The debt-free estimate is free. Comparing snowball and avalanche and seeing the exact payoff order requires Premium, an optional subscription. See it on the App Store.

Questions

All questions
Is the debt snowball printable free?

Yes. Both PDFs download from this page. There is no sign-up, no email and no account.

Should I print US Letter or A4?

Pick the paper in your printer. US Letter is the usual size in the US and Canada. A4 is the usual size in most other countries. Both files have the same two pages.

Does it print in black and white?

Yes. The pages use only black and gray lines and text on white paper, with no color fills.

What if I have more than 10 debts or need more than 24 months?

Print page 1 again for the next 10 debts. Each new copy of page 2 holds 24 more months.

Can I use it for the debt avalanche?

Yes. List your debts from the highest APR to the lowest instead of by balance. Everything else works the same. The avalanche usually costs less interest, and the snowball usually pays off your first debt sooner.

Which currency does it use?

Any. The sheet has no currency signs, so it works in dollars, euros, pounds or any other currency.

When to talk to someone

  • If your payments take more than you can cover each month, a nonprofit credit counselor can go through your budget and your debts with you. The Consumer Financial Protection Bureau says credit counseling can be free or low cost, and that counselors may charge for some services. It points to the National Foundation for Credit Counseling (nfcc.org, 877-360-6322) and the Financial Counseling Association of America (fcaa.org). Get any fee in writing before you sign up.
  • If a debt collector or your card issuer treats you unfairly, you can submit a complaint to the CFPB at consumerfinance.gov/complaint or (855) 411-2372, Monday to Friday, 9 a.m. to 6 p.m. ET.
  • If a company wants a fee before it settles any of your debts, the FTC calls that a warning sign. You can report it at ReportFraud.ftc.gov.
  • If you are sued over a debt and your income is low, a legal aid office may help for free. Find the one near you at lsc.gov.
  • If money worries leave you in crisis, call or text 988 to reach the 988 Suicide & Crisis Lifeline. It is free, confidential and open 24/7. In an emergency, call 911.

Outside the US, look for a free debt advice service run or approved by your government.

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