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ClearPath · Spreadsheet template

Debt Payoff Tracker

How long until I'm debt-free?

Enter your debts and a monthly budget once. The first screen shows when you are debt-free, what it costs in interest, and which debt clears next. Change any number and everything recalculates.

$7.99instant download

Not sure yet? Try the free debt payoff calculator first. Same logic, fewer rows.

ClearPath Debt Payoff Tracker, cover with the dashboard

The first screen

This is the dashboard of the file, with the sample data it ships with. Replace the sample with your numbers and every tile updates.

Dashboard
42 months
to debt-free, in the sample
Total remaining debt$33,150
Debts remaining5
Monthly budget$905
Next payoff$450Store credit card, cleared in 3 months
Months to debt-free42
Debt-free dateJun 2029
Total interest paid$4,019.14
Overall progress24.7%

A real example

Five debts totaling $33,150. A budget of $905 a month. These are the sample numbers shipped in the file.

  1. Debt-free in 42 months, June 2029
  2. $4,019 paid in interest over the whole plan
  3. Next payoff: the $450 store card, cleared in 3 months
  4. Then the medical bill, the Visa, the car loan, the student loan, in that exact order

Nothing is wasted

Most trackers waste money. When a debt clears halfway through the month, the leftover payment simply disappears. ClearPath reallocates every cent to the next debt, the same month, automatically.

In the sample data, the store card closes in month 3 needing only $4.15. That month, $275.76 lands on the medical bill instead of the usual $50. That single mechanism is what shortens your payoff.

What's inside

The tabs of the file, in the order you meet them. You only ever type in one or two of them.

01Start HereA written guide inside the file
02DashboardTotal debt, debt-free date, interest paid, next payoff, progress bars, live chart
03My DebtsThe only tab you type in: up to 10 debts, balance, minimum, rate
04Payoff PlanMonth by month, every debt, with the date each one clears

What you get

One spreadsheet and one guide, delivered right after checkout.

  • Up to 10 debts, ordered by balance automatically
  • Month-by-month plan with the date each debt clears
  • Leftover payments roll to the next debt the same month
  • Progress bars and a live chart on the dashboard
  • Any currency, sample data included
  • Formulas locked in Excel, clearly marked in Google Sheets
  • No formulas to write, nothing to install
Files
1 spreadsheet (.xlsx) + 1 Quick Start Guide (.pdf)
Works in
Excel, Google Sheets, LibreOffice, Numbers
Currency
Any, you type the symbol once
Skills
None needed, no formulas to write
Delivery
Instant download, no account, no subscription
Support
Write to us and we fix it

Questions people ask

Snowball only, or avalanche too?
ClearPath runs the snowball: smallest balance first. It is the method most people finish, because the first win comes fast. If your rates are very different, the avalanche saves a little more interest; write to us and we will tell you what to expect for your numbers.
What if I have more than 10 debts?
Group the smallest ones into a single line with their total balance and total minimum. The plan stays accurate as long as the totals are right.
Does it handle interest?
Yes. Each debt has its own yearly rate, interest is added every month, and the total interest paid is on the dashboard.

ClearPath Debt Payoff Tracker

How long until I'm debt-free? One file, and the answer is on the first screen.

$7.99instant download

The other templates

$7.99Get it on Gumroad