Debt Tracker · Free · No account
Record balances and estimate repayment time.
The workbook includes a Debts sheet, a Payments sheet and a Summary. Type each balance from its latest statement, log payments as you make them, and the workbook shows the balance now plus estimated months and interest left.
- Excel 2016 and later
- Calculations checked in LibreOffice and Google Sheets
- Choose the orderSort debts by yearly rate, highest first, or by balance, smallest first. Choose whether to add Lender, Offer ends and New spending and fees.
- Add each statementOn the Debts sheet, type each debt with its statement balance, statement date, yearly rate, what you pay each month and the payment day.
- Log paymentsOn Payments, pick the debt and type each payment with its date as you make it. The balance now updates on the Debts sheet.
Build your workbook
Preview: Credit cards and loans. Change the selected dates, categories or layout to update the preview.
JavaScript is required to use the builder. The workbook is made in your browser.
What you get
From the statement
Type the balance and date from each statement; only payments after it are taken off, to exclude payments already included in the statement balance.
Sorted your way
By rate, highest first, or by balance, smallest first, with any extra you choose going to the top one.
Months and interest left
Estimated from the rate and payment, with a ● where a payment is not covering the interest.
Payment and offer reminders
A payment due within a week is marked until it is logged, and 0% offers are flagged before they end.
The Credit cards and loans example
Debts sorted by yearly rate, with Lender, Reference and Offer ends columns, and a What column on Payments for new spending and fees. Balance now, Months left, Clear by and Interest to pay are worked out for each debt.
Sheets included (6)
- Start HereHow the workbook works, what each sheet is for and the settings used.
- DebtsEach debt once, from its latest statement, with the balance now and the estimates.
- PaymentsEach payment, and any new spending or fee, one per row.
- SummaryWhat is owed now, what is being paid, and the estimates.
- ListsEdit the white lists to change dropdown choices. Shaded lists are fixed because formulas use those names.
- SettingsValues used by the workbook, such as reminder windows. Change them here.
File details
- Made for
- Excel 2016 and laterThe download is an .xlsx workbook.
- LibreOffice
- No calculation errors in our testLibreOffice recalculated every formula in the workbook with no error values, such as #VALUE! or #N/A.
- Google Sheets
- Calculations matched Excel in our testGoogle Sheets removes sheet protection and repeated print headings.
- Apple Numbers
- Some calculations do not workMany calculations on the Debts sheet and the Summary sheet do not work in Apple Numbers. Numbers converts list-based dropdowns to plain cells and removes colour markers, sheet protection, frozen headings and number and date validation. Use Excel for these calculations and features.
- Calculations
- The Start Here sheet lists the calculations used in this workbook. Results update from the entries you add.
- Builder privacy
- The builder runs in your browser. The entries used to make the workbook stay on your device. How the utilities work
Examples
Credit card payoff tracker
People with several cards or loans at different rates who want to see which costs most and when each could clear.
Debt snowball tracker
People who prefer to clear the smallest balance first and watch the number of debts fall.
Simple debt list
Anyone who wants a short, uncluttered list of what they owe and what they pay, without offers or fees.
Questions
Are my builder entries sent to Due Form?
No. The builder uses them in your browser to make the workbook on your device.
Information is sent to Due Form when you submit a form or use another service described on the How it works page.
How accurate are the months and interest left?
Estimates use the rate and payment you enter and assume no new spending. Update the balance and date from each lender’s statement.
What does a ● in the Check column mean?
It marks a payment that does not cover a month of interest, an offer that has ended, or a payment that is late or missing for last month.
Can I print it?
Yes. The Debts sheet prints landscape and repeats its header row on each page. The Summary prints portrait on its own.
Should I pay the highest rate first?
The workbook does not choose for you. Sort by interest rate or by balance, and the estimates update from your entries. For help choosing, contact a debt advice service such as StepChange.
Related Due Form edition
DF.024 The Matter File
In production
Record the chronology, contacts, documents and next actions for one unresolved consumer or service matter.
For one dispute with a lender: the chronology, calls and letters
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