Debt Payoff Tracker™ 2.0

See the exact month you become debt-free. The Debt Payoff Tracker™ 2.0 turns debt payoff from a vague hope into a visible plan. Enter your balances once, choose your payoff strategy, and see what your extra payments change in months and dollars. It is the deeper companion to the debt tracking built into the Family Budget Spreadsheet, with a focused system for people who want to make real progress and stay motivated along the way. A plan you can actually see Snowball simulator to build a payoff plan for each debt Debt Dashboard with your total remaining, amount paid, percentage gone, and projected debt-free date Debt Crusher wall that visually crosses off progress as balances drop Rewards milestones to make progress feel real Payoff projections that show the impact of extra payments 7 connected tabs to track the full journey from overview to payoff How it works Add your debts. Enter the balance, minimum payment, interest, and other details on Debt Overview. Choose your plan. Use the snowball simulator to prioritize your debts and map the payoff order. Track each win. Update your current balances and watch the dashboard, payoff date, Debt Crusher wall, and rewards progress change. This is for you if... You want a clear answer to “when will I be debt-free?” You need a payoff plan instead of another collection of balances You are motivated by visual progress and meaningful milestones You want to see exactly what extra payments can save you You use the Family Budget Spreadsheet and want a dedicated debt-payoff system