Debt Tracker · Free · No account
A debt snowball spreadsheet: smallest balance first.
The smallest-first setup sorts debts by balance now, smallest at the top. Any amount typed as Extra each month on the Settings sheet is added to the debt ranked 1. The Summary shows what is owed, how many debts are cleared and about how many months remain.
- 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: Debt snowball tracker. Change the selected dates, categories or layout to update the preview.
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What you get
What is different in this setup
People who prefer to clear the smallest balance first and watch the number of debts fall.
- Order puts the smallest balance now at the top.
- Extra each month goes to the debt ranked 1.
- Debts cleared is counted on the Summary.
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
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.
Where do I type the extra I can pay?
Type it as Extra each month on the Settings sheet. It is added to the payment for the debt ranked 1 in Order.
What happens when a debt is cleared?
Its row turns grey and is marked Cleared. The extra amount then moves to the next smallest balance, which becomes number 1.
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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