Debt Payoff Tracker
One spreadsheet. One date. You're free.
Every detail engineered.
Debts
25 debt slots. Balance, APR, minimum, your payment. Auto payoff date using true NPER amortization.
Snowball + Avalanche
Side-by-side 10-year projections. Snowball for fast wins, Avalanche for most interest saved.
Extra Payment Simulator
Change one cell. See $50 / $100 / $200 / $500 extra per month collapse your payoff date.
Interest Saved
The headline number — dollars saved vs minimum-only. This is the stat that sells the whole plan.
Debt-Free Countdown
Big friendly freedom date + milestones at 25%, 50%, 75%, 100%. The emotional hook that keeps you opening the file.
Live Dashboard
6 KPIs + 4 charts. Total debt dropping, method comparison, principal vs interest — all formula-driven.
Real sheets. Real data. Real returns.
Get Debt Payoff Tracker on Etsy.
Three editions — Dark, Light, and the brand-immersive Mawxy edition. Instant download. Lifetime access. Excel + Google Sheets.