What is included
- Records debts and payments and compares Avalanche, Snowball, Cash-Flow and custom payment order.
- A what-if area tests extra payments, lump sums and entered rate changes.
- Calendar and progress views accompany exportable payment records and estimated repayment schedules.
- Local HTML app without bank connections; projections use monthly interest assumptions and do not guarantee payoff dates.
Based on the Etsy listing reviewed October 28, 2026. Check the current listing for any later changes.
What to prepare
For the workflow this product is designed around, gather:
- Current debt and credit-card balances
- Payment information from creditor records
- The payment assumptions you want to compare
A practical way to use your records
Use current statements when setting up the record and distinguish a planned payment from one already made. Revisit the scenario after balance or payment changes. Keep the app's estimates alongside the actual account records rather than treating them as a replacement.
A worked example
Fictional example: someone checks two confirmed payments in a debt-payoff app before updating the next planning period.
- Payment P-11
- $120 confirmed against one account
- Payment P-12
- $80 confirmed against another account
- Statement information
- Current balances and payment allocation from each provider
- Record each completed payment with its account reference and date, keeping planned extra payments separate.
- Reconcile the updated account records to the provider statements before using them as the starting point for another scenario.
Result: The two confirmed payments total $200. The change in principal may be different because interest or fees can affect allocation; a payment total alone should not be presented as a verified reduction in principal.
Fictional figures explain the workflow; they do not represent customer results or guarantee particular template fields. See the included features above and the current Etsy listing.
A closer look at Debt Payoff Tracker App with Debt Snowball Calculator and Credit Card Tracker
Additional previews from this product's Etsy listing. Open any image for a larger view.
Questions about this product
Is a debt snowball calculator included?
Yes. The product includes a debt-snowball tracker and calculator with credit-card payoff records.
Is this the spreadsheet with snowball and avalanche calculators?
No. This item is the debt-payoff app. The separate debt-payoff spreadsheet describes both snowball and avalanche calculators.
How do I access this app?
Purchase and delivery take place through the Etsy listing. Review its current access instructions, browser or device requirements and included functions before ordering.
