Essentials Debt Management Templates
8 debt management spreadsheet templates with dashboards, charts, and expanded capacity. One-time $19 per template.
Debt Payoff Calculator
Eight debts, each carrying its own balance, rate, minimum payment and a months-at-minimum figure, then one extra payment field applied across the whole set. The Essentials Debt Payoff Calculator spreadsheet template runs smallest-balance-first and highest-rate-first in parallel so the interest difference between them is visible, and a full schedule shows both balances falling month by month. Dashboard, Debt Setup, Payoff Schedule, How to Use. Google Sheets and Excel, one file. No macros, no VBA.
Credit Card Payoff
Three payment amounts run against the same card side by side - the minimum, a steady figure, and a larger one - down a full month-by-month schedule carrying payment and remaining balance on each path. The Essentials Credit Card Payoff spreadsheet template models the minimum properly, with the requirement falling as the balance does, and takes the minimum-payment rule from you because cards differ. Google Sheets and Excel. No macros, no VBA.
Debt Snowball
Enter up to eight debts once, name a single extra monthly payment, and the Essentials Debt Snowball spreadsheet template builds the rest: a month-by-month schedule that names the debt the extra is aimed at, and a dashboard holding the total owed, the months to clear, the interest, and what each of those comes to if you only ever pay the minimum. Three working sheets and a chart tracing the balance down. Google Sheets and Excel, one download.
Balance Transfer Calculator
Both rates go in - the promotional one and the rate waiting after it - along with the fee, the length of the offer, and your current card's balance, APR and payment. The Essentials Balance Transfer Calculator spreadsheet template runs the two paths in parallel across sixty months, so the point where the promotion ends and the arithmetic changes is a row you can see rather than a date to remember. Three working sheets. Google Sheets and Excel. No macros, no VBA.
Line of Credit Tracker
Account name, lender, credit limit and rate sit on a setup sheet, alongside a minimum payment percentage and the date the draw period ends. The Essentials Line of Credit Tracker spreadsheet template logs forty movements with date, type, amount, description and the interest from your statement, carries a running balance down the log, and reports what is drawn, what is left and how much of the limit is in use. Google Sheets and Excel. No macros, no VBA.
Credit Repair Spreadsheet
Scores from all three bureaus tracked month by month, with an average that stays blank until all three are filled in rather than quietly averaging two. The Essentials Credit Repair Spreadsheet template logs twenty disputes with the creditor, bureau, type, amount and date filed, and keeps a result column as well as a status. Three working sheets and a dashboard reading both. Google Sheets and Excel. No macros, no VBA.
Debt-to-Income Calculator
Both ratios land against the limits two common mortgage programmes publish, and the sheet works back to the maximum housing payment each threshold would allow on your income. The Essentials Debt-to-Income Calculator spreadsheet template puts gross monthly income and each debt on a line of its own, personal loans and support payments included, across a dashboard and a seven-line calculator. Google Sheets and Excel, one file. No macros, no VBA.
Student Loan Payoff
An extra monthly payment towards principal, and both futures sit in the same table - the balance with it applied beside the balance without. The Essentials Student Loan Payoff spreadsheet template runs that comparison across a 360-month schedule, built from the balance, rate, scheduled payment and start date you enter on a Loan Setup tab. Four sheets in one file, Google Sheets and Excel. No macros, no VBA.
Not sure which to pick?
Try the free version of any debt management template first. When you're ready for the dashboard and extra capacity, upgrade to Essentials - a one-time $19 purchase.