Debt Payoff Tracker — No Subscription

Try the Debt Payoff Tracker free, right here

This is the actual product, running on this page with sample data — not a video, not screenshots. If you like it, the file you buy is this, minus the sample numbers.

Debt Payoff Tracker — one file, running in your browser

The whole app, right here.

Loads in a second. Click around, change things — it's yours to break.

Prefer a full window? Open the demo full-screen — same thing, more room.

How the Debt Payoff Tracker works, step by step

Four moments from real use — the screen changes as you read.

Any payday

The number that matters, first.

Total owed, what's going out, how far you've come. The overview exists to show the balance falling.

Once, at the start

Every debt in one place.

Balances, rates and minimums side by side — usually the first time it's all visible at once.

Month after month

A plan you can actually follow.

Who gets the extra this month, and what happens to the rest. One instruction, not a spreadsheet.

When you want to push

Snowball or avalanche, compared.

Both strategies run against your real balances so you can see what each would actually do.

The Dashboard screen in the CalmNCalculated Debt Payoff Tracker, showing total owed, what's going out and how far you've come

The Debts screen in the CalmNCalculated Debt Payoff Tracker, showing every debt with its balance, rate and minimum

The Payment Plan screen in the CalmNCalculated Debt Payoff Tracker, showing a payment plan showing who gets the extra this month

The Strategy Lab screen in the CalmNCalculated Debt Payoff Tracker, showing snowball and avalanche run side by side

DashboardDebtsPayment PlanStrategy Lab

Three editions. The same plan.

One download holds all three. Most people pick one and keep the others for what they're good at — nothing is locked, nothing expires, and you can move between them whenever you like.

The interactive tracker

One private HTML file that opens in any browser. Enter every debt once, pick an order, and the app works out a debt-free date, a payoff ring and a month-by-month schedule — across seven guided sections. Log a payment and the balance, the ring and the countdown all move by themselves. Nothing you type into it leaves your device.

Seven sections, plus a Help screen behind them
Balances, payoff ring and countdown update themselves as you log payments
Light and dark mode, one-click backup and restore

Play with it on this page

Pick this if you want the balance to move itself.

The workbook

A real .xlsx — not an export. Ten tabs you work in plus a hidden engine sheet that does the arithmetic: the same debts, the same three strategies and the same payoff maths as the app, worked as formulas you can read and edit. Room for 25 debts. Opens in Excel, Google Sheets or LibreOffice.

Ten tabs, 70,020 live formula cells, three Dashboard charts
Nothing locked, protected or password-guarded — every cell is yours to edit
A hosted Google Sheets template — File → Make a copy and you're in

Pick this if you think in spreadsheets.

The printable pack

35 page designs for A4 and the same 35 for US Letter — a debt inventory, one page per debt, your payoff order, your monthly payment budget, twelve months of "this month's plan", amortization sheets, a payment log, a milestone wall, a what-if sheet and a review page.

Every design set for both A4 and US Letter — 70 pages in all
Print only the half that matches your paper — the cover says which
Nothing in it names a month or a year, so it never goes out of date

Pick this if paper is what actually gets checked off.

Two more files come with them. The Payoff is a free 51-page book on getting out of debt — twelve short chapters across four parts, every figure traced to the study or source that publishes it. A Quick Start guide gets all three editions moving in minutes. Five files in total, one download, one payment.

What the balance does, year by year

The debt tracker runs snowball and avalanche against your real balances. Set a monthly payment and watch the balance fall.

Paying each month$400

On a $12,000 balance, $400 a month clears it in about 30 months — before interest.

The app runs this against your real balances and rates, snowball and avalanche side by side.

Debts — running on the sample data.

No account. No cloud. No catch.

It's one HTML file that runs in your browser. That single fact is what makes all four of these true.

accounts

Nothing to sign up for. No email, no password.

servers

There is nowhere for your information to be sent.

renewals

Bought once on Etsy. Nothing recurring, ever.

connection needed

Works fully offline once the file is on your device.

That last one is the proof of the others. An app that keeps working with the internet switched off is an app that isn't sending anything anywhere.

Debt Payoff Tracker specifications

What it is: A debt payoff tracker in three editions — a browser app, an Excel & Google Sheets workbook, and a printable pack
Formats: HTML app (any browser) · .xlsx workbook, 10 tabs (Excel, Google Sheets, LibreOffice) · 70-page printable pack (A4 + US Letter)
Who it's for: Anyone paying down debt
Main sections: 7 — Dashboard, Debts, Payment Plan, Strategy Lab, What-If, Payments, Milestones
What it covers: Every debt in one place, with balances and payments; Snowball and avalanche payoff strategies, side by side; A payment plan you can actually follow; A what-if lab for paying extra; A debt-free countdown and milestones
Where data is stored: In your own browser, on your own device. No server, no account, no sync.
Internet required: No — works fully offline once downloaded
Works on: Windows, macOS, iPad, Android, Linux — anything with a modern browser
Also included: The free 51-page book The Payoff, a Quick Start guide for all three editions, light and dark mode, print-friendly views, and sample data you can load and clear in one click
Delivery: Instant digital download from Etsy
Pricing model: One-time purchase. No subscription, no recurring fee.

Debt Payoff Tracker FAQ

Does the Debt Payoff Tracker need a subscription?

No. You buy the file once on Etsy and it's yours. Nothing renews and there's no account to keep.

What sections does the Debt Payoff Tracker have?

7 main sections: Dashboard, Debts, Payment Plan, Strategy Lab, What-If, Payments, Milestones. Sample data is already in all of them when you open it, so you can see how each one works before you put your own information in.

Where is my data stored?

In your own browser, on your own device. Nothing you type is sent to us — we have no server that could receive it. That also means clearing your browser data clears the app, so keep a copy of anything you'd hate to lose.

Does it work offline?

Yes. It's a single file that opens in your browser, so once you have it you don't need to be online.

What devices does it work on?

Any device with a modern web browser — Windows, Mac, iPad, Android tablet, phone or Linux. There is nothing to install and no account to create.

Can I use it on more than one device?

Yes — the same file opens anywhere. But because nothing is stored on a server, what you type on one device stays on that device; the two copies won't sync. Most people keep it on the one they actually plan on.

How do I get the file after I buy it?

It's an instant digital download from Etsy. As soon as Etsy confirms your payment the file is in your Etsy Purchases, and you can download it again from there any time you're signed in.

What exactly do I get?

Five files: the interactive tracker, the workbook (.xlsx for Excel, Google Sheets and LibreOffice), the printable pack (A4 and US Letter), the free 51-page book The Payoff, and a Quick Start guide that covers all of them.

Do I need Excel for the workbook?

No. The workbook is a real .xlsx that also opens in Google Sheets and LibreOffice, and the download includes a hosted Google Sheets template — File → Make a copy and you're in.

Which edition should I use?

The app for the running record, where the balances move themselves; the workbook if you think in spreadsheets; the printable pack for the folder or the fridge. All three follow the same method in the same words, so mixing them is normal — and all three are in the one download.

You've already used it. That was the demo.

If the app above felt right, the file you buy is exactly that — minus the sample data, plus your own real life getting calmer.

Get it on Etsy Keep playing full-screen

Pairs well with

Budget Planner

Where the extra payment comes from. Twelve months, three budgeting methods, and a subscription audit that totals what the small recurring charges cost you a year.

Try the Budget Planner

A debt payoff tracker with snowball and avalancheWatch the number shrink.fall.go.end.