2027 debt payoff tracker
Up to six debts, their balance at the end of every month of 2027, and the total.
Paying off debt is slow, and it is easy to lose sight of progress. This tracker gives every debt a column and every month of 2027 a row, so twelve times a year you write the new balances and see the total go down.
A progress bar at the bottom shows how much of your total debt you have paid off this year, in tenths.
How it works
Write up to six debts across the top and each one’s balance on January 1, 2027. At the end of every month, write the new balances and the total. Color in the bar each time you pass another 10% of your starting total paid off.
How to use it
- Write each debt’s name and its balance on January 1, 2027.
- At the end of each month, write each new balance and the total.
- Color in the bar every time you pass another 10% paid off.
Ways to use it
- More than six debts? Combine small ones or use two sheets.
- Use your snowball or avalanche order from left to right.
- Track a single big loan month by month in one column.
Tips
- Pick an order first: the snowball or avalanche sheet helps you choose.
- Use your statement balance on the same day each month so months compare fairly.
Questions
How do I track my debt payoff?
List every debt and its balance, then write the new balances on the same day each month. Watching the total fall keeps you going.
How do I make 2027 my debt-free year?
Add up all your debt, choose a payoff order, set an extra monthly amount and track balances every month. This sheet covers the tracking.
Should I count interest?
Write the actual balance from your statement, which includes interest. That keeps the tracker honest.
Goes well with
- Debt snowball or avalanche? Decision sheet List your debts in both orders and pick the method that fits you.
- Debt-free chart 100 squares, each worth 1% of your total debt. Color them all in.
More debt payoff
Debt snowball tracker for couples
Yours, mine and shared debts on one page, in snowball order.
Credit card payoff tracker
A color-in thermometer for each of up to six cards.
Debt snowball or avalanche? Decision sheet
List your debts in both orders and pick the method that fits you.
Debt-free chart
100 squares, each worth 1% of your total debt. Color them all in.
This printable is a general planning tool, not financial advice. Read the full disclaimer.