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The real app is on this page. Scroll down and try it.

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

The CalmNCalculated Debt Payoff Tracker is a browser-based planner, sold as a one-time $17.99 digital download on Etsy. It tracks every debt in one place, compares snowball and avalanche, and builds a payment plan.

Play with the real app Get it on Etsy

$17.99one-time purchase on Etsy

One-time purchase Stays on your device Works offline
How long until it's gone?
Live · drag me
Total owed$12,000
Paying each month$400
40%in year 1
2y 6m
to clear at that rate, before interest
$400 a month · $12,000 owed

Your numbers, your arithmetic. Nothing here is a claim about anyone else.

Try the Debt Payoff Tracker free, right here

This is the real product, running on this page with sample data.

Debt Payoff Tracker: one file, running in your browser

The whole app, right here.

Loads in a second. Click around and change things.

Prefer a full window? Open the demo full-screen.

How the Debt Payoff Tracker works, step by step

The screen changes as you read.

Any payday

The number that matters, first.

Total owed, what's going out and how far you've come.

Once, at the start

Every debt in one place.

Balances, rates and minimums side by side.

Month after month

A plan you can actually follow.

Who gets the extra this month, and what happens to the rest.

When you want to push

Snowball or avalanche, compared.

Both strategies run against your real balances.

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

Inside the app: 7 sections

  1. Dashboard
  2. Debts (pictured)
  3. Payment Plan (pictured)
  4. Strategy Lab
  5. What-If
  6. Payments
  7. Milestones
The Debts screen in the CalmNCalculated Debt Payoff Tracker, showing every debt with its balance, rate and minimum
Debts
The Payment Plan screen in the CalmNCalculated Debt Payoff Tracker, showing a payment plan showing who gets the extra this month
Payment Plan

Three editions. The same plan.

One download holds all three editions.

The interactive tracker

One private HTML file. Enter every debt once and it works out a debt-free date, a payoff ring and a month-by-month schedule.

  • Seven sections, plus a Help screen
  • Balances, ring and countdown update 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 with ten tabs you work in and a hidden engine sheet. It runs the same three strategies and payoff maths as the app, 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 or password-guarded
  • A hosted Google Sheets template: File → Make a copy
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, payoff order, monthly budget, twelve months of plans, amortization sheets, a payment log, a milestone wall, a what-if sheet and a review page.

  • A4 and US Letter, 70 pages in all
  • Print only the half that matches your paper
  • No months or years named, so it never dates
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 chapters, four parts, every figure sourced), and a Quick Start guide covers all three editions. Five files in total.

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 side by side; a payment plan; 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 offline once downloaded
Works on
Windows, macOS, iPad, Android, Linux
Also included
The free 51-page book The Payoff, a Quick Start guide, light and dark mode, print-friendly views, and one-click sample data
Delivery
Instant 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.
What sections does the Debt Payoff Tracker have?
7: Dashboard, Debts, Payment Plan, Strategy Lab, What-If, Payments, Milestones. Sample data is already in all of them when you open it.
Where is my data stored?
In your own browser, on your own device. We have no server, so nothing you type is sent to us. Clearing your browser data clears the app, so keep a copy.
Does it work offline?
Yes. It is a single file, so 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. Nothing to install, no account.
Can I use it on more than one device?
Yes, but nothing is stored on a server, so what you type on one device stays there and copies don't sync.
How do I get the file after I buy it?
It's an instant digital download from Etsy. Once Etsy confirms payment, the file is in your Etsy Purchases, and you can download it again 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.
Do I need Excel for the workbook?
No. The .xlsx also opens in Google Sheets and LibreOffice, and the download includes a hosted Google Sheets template (File → Make a copy).
Which edition should I use?
The app for the running record, the workbook if you think in spreadsheets, the printable pack for the folder or the fridge. All three follow the same method, and all three are in the one download.

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

The file you buy is the app above, minus the sample data.

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Debt Payoff Tracker
$17.99 one time · try it free above
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