The Best Debt Payoff Tracker (2026): 8 Picks Ranked

Lilac Ledger has the most complete debt planner of the eight. Enter up to 10 debts and compare snowball, avalanche or your own custom order. For each plan you get a debt-free date, total interest, interest saved and time saved compared with paying only the minimums, plus a balance chart and a full month-by-month schedule.

That schedule is the part that makes it feel real. You can see which month the store card disappears, and what happens to its payment the month after. Paid-off payments roll into the next debt automatically, which is how the snowball method is supposed to work and the step most home-made trackers forget.

The debt planner sits inside a full annual budget, so your loan payments are already in the plan. Enter them once as recurring items and they land in the right months. The paycheck planner then shows each debt payment under the paycheck that has to cover it, and the bill calendar warns you about any day your balance would dip below the alert level you set. Missed payments usually start with a tight week, and this shows the tight week coming.

It’s one Excel workbook with 24 tabs that also runs in Google Sheets and LibreOffice Calc. You type in the pink cells only. If you’re choosing between methods, comparing the two debt-free dates side by side is often enough to settle it.

Cedarly’s debt planner is built for the question everyone asks once they start: what if I paid a bit more? Enter each debt once and it simulates snowball and avalanche side by side, with months to debt-free and total interest for each. Then it shows how many months faster an extra payment makes you.

That number is motivating in a very practical way. Seeing that an extra amount each month cuts a real number of months off the plan makes it easier to say no to small spends. Payments are recorded against linked accounts, so the loan balance on your accounts page drops when you pay, and your net worth chart picks it up too.

It’s an interactive dashboard in one HTML file. It opens in your browser, works offline and needs no account or bank login. The dashboard shows debt progress next to net worth, cash flow and safe-to-spend, so your debt plan sits in the same view as everything else. Bank CSV import saves typing if your bank offers it.

It runs in Chrome, Edge, Firefox, Safari and Brave, on computers and phones. Your data lives in the browser you use, so download a backup each month, which the app reminds you to do.

If most of your debt sits on credit cards, Calm Cash is the tracker we’d point you to. Its debt page shows interest paid, balance now, payoff date, interest left and how much an extra payment saves, with snowball and avalanche order and credit card utilisation.

Utilisation is the share of your card limit you’re using, and it’s a useful number to watch as balances fall. Calm Cash also has a debit or credit mode, which counts card spending properly so card payments aren’t double counted in your budget. That matters if you’re paying down a card while still using another one for the weekly shop.

Interest left is an underrated figure. It shows what the debt will still cost you if nothing changes, which is often the push needed to add a little more each month. Card and loan payments also appear on the bill calendar on the right day, with paid ticks.

It holds up to 10 debts, alongside twelve monthly dashboards, net worth and an investments projector. Four colourways come in the download, plus an example file with nine months of sample data. It works in Excel 2016 or newer, Excel for Mac 2019 or newer and Google Sheets.

Paying off debt as a couple brings its own questions. Whose card is it? Who’s paying the extra? NestShare handles the money between two people, and its debt sheet has the most payoff methods of any tracker here: snowball, avalanche, highest card utilisation first, or your own custom order.

It covers up to 10 debts and shows a debt-free date and interest saved compared with paying minimums. Because loan payments sit on the Recurring sheet alongside rent and bills, they fill the whole year automatically, and the Bill Tracker turns anything overdue coral so a missed payment doesn’t slip by.

The couples features make debt payoff a shared project. Split costs 50/50, by income or by a custom percentage, and override the split on a single payment if one of you is clearing a debt from before you met. The Money Dates sheet gives you a printable monthly check-in, which is a good moment to look at the debt-free date together.

It runs in Excel 2010 or newer, Excel for the web and Google Sheets, with USD, GBP, EUR, ZAR and any-currency editions.

Northstar pairs a debt payoff tracker with a snowball versus avalanche planner, a payoff order and a timeline chart. You compare the two methods side by side and see the interest each one saves, which makes the choice between them much less abstract.

The timeline chart is what we like most. Debt can feel invisible in a list of numbers. A chart that slopes down towards zero is easier to believe in, and it’s a nice thing to check after each payment.

Debt paid also shows on the main dashboard next to income, spending and savings, so it never drops out of sight. Bills are marked Paid, Due soon or Overdue from what you’ve logged, and the Phone View tab gives a quick small-screen summary when you’re out.

It holds up to 10 debts and comes in dark and light themes, each with an example file holding nine months of sample data. It works in Excel 2016 or newer and Google Sheets, though not Apple Numbers.

Peony is a budget app, not a spreadsheet, and its debt payoff tracker compares highest-interest-first (avalanche) with smallest-balance-first (snowball), showing your debt-free date and interest saved. One of its own examples is watching a credit card payoff date move closer after adding an extra amount each month.

What makes it good for debt is the daily habit. Peony’s safe-to-spend number already subtracts debt payments still due this month, so you can’t accidentally spend the card payment. Debt payments go on the bill calendar and get ticked off like any bill. You can also set a goal and link it to a debt, so progress on the goal updates itself as the balance falls.

It’s forgiving, too. Miss a few days and you log one catch-up amount and carry on. There’s a check-in streak and a no-spend day button, small nudges that help on a long payoff.

It opens in Chrome or Edge on a laptop or desktop, works offline and never connects to a bank. Use it on a computer, since phones can’t reliably save data from a downloaded file.

The Executive Budget Dashboard isn’t a dedicated debt tool. It’s a detailed budget where debt is one of fifteen sheets, and that’s its strength. The Debt sheet runs avalanche against snowball, calculated on your own balances and rates rather than a generic example.

Debts feed the Net Worth sheet too, and the workbook is built to handle the details correctly. Enter a debt as a negative and it still lands right in net worth. Log a transfer between your own accounts and it stays out of your spending totals, so moving money to a savings pot for the next payment won’t skew the picture.

Everything starts from one Transactions sheet, so your debt payments, budget and net worth always agree. The dashboard gives ten headline figures and a plain-English verdict on how the year is going, and the Print Pack fits it all on one page for a monthly review.

It works in Excel 2016 or newer and Google Sheets, and also opens in Apple Numbers and LibreOffice. A 14-page illustrated guide is included.

Clarity keeps debt tracking simple. The Debt payments table has room for 8 debts, and the Savings and Debt Goals sheet records interest rates and shows an estimated payoff date for each, with snowball and avalanche order.

It suits someone just starting to face their debts. You log payments on the same Transactions sheet as everything else, and the dashboard shows money left, days left and daily spending room, so you can see whether there’s room for an extra payment this month.

It works for weekly, biweekly, monthly or payday-to-payday budgets, and progress bars show in Excel. A filled example file shows how it works before you add your own numbers. It runs in Excel 2010 or newer, the Excel mobile apps and Google Sheets.