The Debt Payoff Planner

Debt can sit in the back of your mind for years, especially if you glance at a balance and then close the app. This planner replaces that cycle with a simple habit: write down every payment and watch the number go down.

It starts with debt overview pages where you list each creditor, balance, interest rate and minimum payment. The core is the monthly payment tracker, where you record the date, amount and new balance for every payment, minimum or extra. Monthly summary pages total what you paid and how much went to interest and principal. A milestone tracker marks 25, 50, 75 and 100 percent payoff, and a debt-free date projection shows how extra payments could shorten your timeline.

It works with the snowball method, the avalanche method or neither, and it needs only a pen and a few minutes after each payment.