💳 Debt Payoff Tracker
Add your debts, log every payment, and watch your balances shrink month by month. Your data saves automatically in your browser.
💾 Save & Restore Your Data
Your data is saved in this browser. To back it up or move it to another device, export it as a file — then import it any time to restore everything.
$0
Total Debt Remaining
$0
Total Paid Off
0
Active Debts
0%
Overall Progress
➕ Add a Debt
💳 Your Debts
No debts added yet.
📝 Log a Payment
📅 Payment History
| Date | Debt | Payment | Remaining After | Note | |
|---|---|---|---|---|---|
No payments logged yet. | |||||
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How to Use the Debt Payoff Tracker
Using this tracker takes less than 5 minutes to set up. Here is exactly how it works:
1
Add each debt you owe
Enter the debt name (e.g. “Visa Card”), the original starting balance, your current balance today, and the interest rate. Add every debt — credit cards, student loans, car loans, medical bills, anything.
2
Log a payment each month
At the end of every month, come back and log what you paid toward each debt. Select the debt, enter the amount, pick the month, and hit Log Payment. Your balance updates automatically.
3
Watch your progress
The stats at the top update in real time — total remaining, total paid off, and your overall percentage. Each debt has its own progress bar so you can see exactly how close you are to eliminating it.
4
Export your data to keep it safe
Click Export My Data to save a backup file to your computer. Import it any time to restore all your debts and payment history — even on a new device.
How to Read Your Results
Total Debt Remaining
The combined balance of all your active debts right now. This number should go down every month.
Total Paid Off
How much you have paid down from your original starting balances. This is your real progress number — celebrate it.
Active Debts
The number of debts that still have a balance. Your goal is to get this number to zero.
Overall Progress %
The percentage of your total starting debt that you have paid off. Even 5% is progress worth celebrating.
Each individual debt card shows its own progress bar — the green fill represents how much of that specific debt you have eliminated. When the bar hits 100%, that debt is gone.
The Payment History table at the bottom is your full record — every payment, every month, every debt. Use it to spot months where you paid extra and replicate what worked.
💡 Tips for Paying Off Debt Faster
- Use the debt avalanche method — pay minimums on all debts, then throw every extra dollar at the highest-interest debt first. This saves the most money.
- Or use the debt snowball — pay off the smallest balance first for quick wins that keep you motivated. Both methods work.
- Log every payment, even small ones — seeing progress builds momentum and keeps you from quitting.
- Add a note when you make an extra payment — it helps you remember what worked (tax refund, side hustle income, cutting subscriptions).
- Export your data monthly — takes 5 seconds and means you never lose your history.
Frequently Asked Questions
Is my data private?
Yes. All your data is stored locally in your browser. It never leaves your device and is never sent to any server. Only you can see it.
What happens if I clear my browser cache?
Your data will be deleted along with the cache. This is why we strongly recommend using the Export My Data button to save a backup file before clearing your cache or switching devices.
Can I track debt in other currencies?
The tracker displays a dollar sign but the math works for any currency. Just enter your amounts and ignore the $ symbol — the calculations are identical.
How many debts can I add?
There is no limit. Add as many debts as you have — credit cards, student loans, car loans, medical bills, personal loans, anything.
Does this calculator include interest?
The interest rate field is for your reference only — the tracker does not automatically calculate interest accrual. To keep your balances accurate, update your current balance each month to reflect what your actual statement shows, which already includes any interest added.
Can I use this on my phone?
Yes, the tracker is fully mobile-friendly. Your data saves in whichever browser you use on that device. Just note that data does not sync between your phone and computer automatically — use Export/Import to move data between devices.