Debt Payoff Tracker — Printable
A payoff tracker is the checklist version of the plan — which debt clears when, and how much interest each strategy costs. The clear-order section is designed to print and mark off as balances hit zero. Snowball is the default view here because early clears are the motivational hook.
Customize debts and budget in the controls below. Download PDF for a wall tracker or CSV for a spreadsheet. Annual summary keeps long plans to one row per year per debt.
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Avalanche (highest rate first)
Payoff: 38 months
Total interest: $3,177.55
First debt cleared: month 26
Snowball (smallest balance first)
Payoff: 39 months
Total interest: $3,302.31
First debt cleared: month 13
Avalanche: 38 months · $3,177.55 interest
Snowball: 39 months · $3,302.31 interest
Avalanche saves $124.76 in interest compared to snowball.
Snowball clears your first debt 13 months sooner.
Paying only minimums costs $3,378.12 more in interest than avalanche.
Snowball clear order
- 1. Mastercard — month 13
- 2. Visa — month 31
- 3. Car loan — month 39
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Visa | $1,440.00 | $1,065.71 | $374.29 | $4,425.71 |
| 1 | Mastercard | $2,220.00 | $245.31 | $1,974.69 | $125.31 |
| 1 | Car loan | $2,340.00 | $498.25 | $1,841.75 | $6,658.25 |
| 2 | Visa | $3,475.00 | $763.39 | $2,711.61 | $1,714.10 |
| 2 | Mastercard | $127.40 | $2.09 | $125.31 | $0.00 |
| 2 | Car loan | $2,340.00 | $374.92 | $1,965.08 | $4,693.17 |
| 3 | Visa | $1,830.93 | $116.83 | $1,714.10 | $0.00 |
| 3 | Car loan | $3,865.00 | $226.72 | $3,638.28 | $1,054.89 |
| 4 | Car loan ✓ | $1,063.98 | $9.09 | $1,054.89 | $0.00 |
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