Sheet 1 · Your starting line
Debt snapshot
List your debts once. It's the "before" picture you'll get to beat.
| Debt (nickname) | Balance | APR % | Min payment |
|---|
$0
Sheet 2 · The motivator
Payoff progress
Each square is a piece of your debt. Tap one every time you knock that much off — and watch it fill up.
Pick a dollar amount per square (your total ÷ 100 works well — ). The gold-outlined squares are your 10% milestones.
Paid off so far
$0
Squares filled
0 / 100
Sheet 3 · The habit
Monthly payment log
One line a month. The extra to principal column is the one that pulls your debt-free date closer.
| Month | Payment | Extra to principal | New balance | Win / note |
|---|
Sheet 4 · The celebrations
Wins & milestones
Check these off as you hit them, and mark the date. Don't skip the celebrating.
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