{"product_id":"credit-card-payoff-tracker","title":"Credit Card Payoff Tracker Spreadsheet","description":"\u003cp\u003eThis credit card payoff tracker is for anyone juggling several cards at different rates. It builds one plan to clear your credit card debt, shows how much of your limits you are using, and warns you before a 0% offer runs out.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eThe dashboard\u003c\/h2\u003e\u003cp\u003eChoose all cards or a single card and the figures, charts and table follow. Nothing on the dashboard is typed; it fills itself from what you enter.\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eOwed on cards: what is left and how much you have paid down\u003c\/li\u003e\n\u003cli\u003eLimit used: the share of your limits in use, turning amber past the 30% line\u003c\/li\u003e\n\u003cli\u003eLimit used month by month: your plan's path down, with what you have actually paid\u003c\/li\u003e\n\u003cli\u003eEvery card: rate, owed, limit, used, interest and the month it is paid off\u003c\/li\u003e\n\u003cli\u003e0% offers ending: when each offer ends and what will still be owed on it then\u003c\/li\u003e\n\u003cli\u003eSaved against minimums: the interest your plan saves over paying only the minimums\u003c\/li\u003e\n\u003cli\u003eInterest by card, month by month\u003c\/li\u003e\n\u003cli\u003eYour cards ranked by rate, highest first, so you know which costs most\u003c\/li\u003e\n\u003cli\u003eMinimums against your plan: the date, months and interest if you paid only the minimums\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eDebt snowball and debt avalanche, calculated in full\u003c\/h2\u003e\u003cp\u003eRates of 20% and over flag themselves, and both payoff strategies run side by side.\u003c\/p\u003e\u003cp\u003eMost templates give you one calculator and one answer. This one runs a full month-by-month schedule for the snowball and for the avalanche, then shows the gap between them in dollars and in months, so you choose knowing what the choice costs. The snowball rolls for real: when a debt clears, its minimum payment joins the next one automatically, and that rolling amount is part of every date in the file.\u003c\/p\u003e\u003ch2\u003eTen connected tabs\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebts:\u003c\/strong\u003e balance, rate and minimum payment, the only things you enter\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball Schedule:\u003c\/strong\u003e every month and every card until the last one clears\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAvalanche Schedule:\u003c\/strong\u003e the same schedule, ordered the other way round\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Plan:\u003c\/strong\u003e the order to pay them in and what each will cost you\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCompare:\u003c\/strong\u003e both strategies side by side, with the difference in dollars\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Calendar:\u003c\/strong\u003e the month each one disappears and what it frees up\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment Log:\u003c\/strong\u003e what you actually paid, split into principal and interest\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard:\u003c\/strong\u003e six live figures, including your debt-free date\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eSetup and Start Here\u003c\/strong\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat this debt calculator works out\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eYour debt-free date, from your own numbers\u003c\/li\u003e\n\u003cli\u003eThe total interest you will pay across the whole plan\u003c\/li\u003e\n\u003cli\u003eHow many months each individual debt takes to clear\u003c\/li\u003e\n\u003cli\u003eThe payoff order under either strategy, set automatically\u003c\/li\u003e\n\u003cli\u003eChange the extra payment and every date moves with it\u003c\/li\u003e\n\u003cli\u003eCharts that redraw from your own numbers\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eA filled-in copy to learn from\u003c\/h2\u003e\u003cp\u003eYou get a worked example to click through and a blank copy ready for your own cards, in Excel and in Google Sheets, so you can see the whole plan working before you start.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice. No Microsoft 365 subscription needed.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo add-ins, no macros, no subscription and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eThe Excel workbook, filled with a worked example\u003c\/li\u003e\n\u003cli\u003eThe same workbook, blank and ready for your own numbers\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYour files are ready as soon as payment clears. The template is for personal use on your own devices; please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eCan I use it in Google Sheets as well as Excel?\u003c\/h3\u003e\u003cp\u003eYes. The Excel workbook runs in Excel 2016 or later on Windows and Mac, and the instruction guide has one-click links to the Google Sheets versions for a free Google account.\u003c\/p\u003e\u003ch3\u003eDoes it track 0% balance transfer offers?\u003c\/h3\u003e\u003cp\u003eYes. The dashboard shows when each 0% offer ends and what will still be owed on that card when it does.\u003c\/p\u003e\u003ch3\u003eWhy does it show limit used?\u003c\/h3\u003e\u003cp\u003eThe dashboard shows how much of your limits you are using, turning amber past the 30% line, and charts how that falls as you follow the plan.\u003c\/p\u003e\u003ch3\u003eHow much interest will my plan save?\u003c\/h3\u003e\u003cp\u003eThe dashboard compares your plan with paying only the minimums, showing the date, months and interest for each, and how much interest your plan saves.\u003c\/p\u003e\u003ch3\u003eWhat do I have to enter?\u003c\/h3\u003e\u003cp\u003eEach card's balance, rate and minimum payment, then the payments you actually make. Everything else is calculated.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597860733022,"sku":"OPX-016","price":14.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/credit-card-payoff-tracker-01.jpg?v=1790832014","url":"https:\/\/opxviashop.com\/products\/credit-card-payoff-tracker","provider":"OPXVIA","version":"1.0","type":"link"}