Debt Repayment Tracker

Q: Do I need to pay a monthly subscription?

Nope! No subscriptions, no hidden fees—just a one-time purchase and it’s yours forever. Access your templates anytime, no extra costs!

Q: Is this spreadsheet beginner-friendly?

Absolutely! Our templates are designed to be super easy to use , with clear instructions to guide you every step of the way. Plus, you’ll find an internal guide and handy tips inside to make things even smoother!

Q: Can I use the spreadsheet on multiple devices?

Yes! Once downloaded, you can access it on any device that supports Google Sheets and Excel (Excel is available only for templates that include an Excel version). Manage everything from your laptop, tablet, or phone—for free!

Why Choose This Template

Paying off debt can feel overwhelming, but this template makes it simple and motivating. Whether you prefer the Debt Snowball method for quick wins or the Debt Avalanche to save on interest, you’ll have a clear plan in place. The built-in calendar and repayment schedule help you stay consistent, avoid late fees, and finally see progress toward a debt-free future.

What’s Included

The template itself includes 4 dedicated tabs:

Setup Page – Enter your debt details, customize your currency (supports 12+), and set your plan start date
Debt Repayment Plan – See your full repayment schedule, payoff order, interest amounts, and monthly payments
Debt Calendar – A monthly calendar that shows exactly when each payment is due
Instructions Tab – Step-by-step guidance to get you set up in minutes

With your purchase, you’ll also receive a PDF instantly after checkout. Inside, you’ll find:

Clickable links to access the Google Sheets version
A sample template with prefilled data to explore the features
A video tutorial showing exactly how to access and use your files

Who It’s Perfect For

✔️ Anyone juggling multiple debts (credit cards, loans, mortgage, etc.)
✔️ Students managing loan repayments
✔️ Families who want a structured debt-free plan

✔️ Individuals motivated by seeing clear progress and payoff dates

Key Benefits

✨ 4 Payoff Strategies – Snowball, Avalanche, Submit Order, or Custom Order
✨ Stay on Track – Use the calendar to never miss a payment
✨ Save Money on Interest – Pick strategies that minimize long-term costs
✨ Clarity & Motivation – See exactly when you’ll be debt-free
✨ Beginner Friendly – No finance expertise needed, just follow the setup

Important Notes

Please Read Before Purchasing

Digital Download Only – No physical item will be shipped
Gmail Required – Needed to access the Google Sheets file
Template Language – Provided in English (some browsers auto-translate listings, but the spreadsheet itself is English-only)
Colors May Vary – Slight differences may appear depending on screen settings
No Refunds or Cancellations – Due to the digital nature of this product; please contact us if you need support
Personal Use Only – Copyright © Serenata’s Team (Glys Solutions L.P. / Nimbus Reach LLC). Redistribution, resale, or reproduction is strictly prohibited
Disclaimer – This is a personal finance organization tool. It does not provide financial, legal, or tax advice. Please consult a licensed professional for those services
Liability – By purchasing, you agree Serenata’s Team is not liable for outcomes from its use

What People Are Saying

Very easy to use and cute too!

Absolutely Delighted with My Purchase!

I couldn’t be happier with this product! From the moment it arrived, it exceeded my expectations in every way. The quality is outstanding, and you can tell a lot of care went into its design and production. It arrived on time, well-packaged, and exactly as described.
Highly recommend this to anyone considering it. Great value for money and a purchase I’m truly happy with!

Absolutely Delighted with My Purchase!

I couldn’t be happier with this product! From the moment it arrived, it exceeded my expectations in every way. The quality is outstanding, and you can tell a lot of care went into its design and production. It arrived on time, well-packaged, and exactly as described.
Highly recommend this to anyone considering it. Great value for money and a purchase I’m truly happy with!

it's greattt! i love it!

Love this Debt Payoff Tracker. Once I read the instructions and figured out a couple of things it is very easy to use and so helpful. I'm doing the avalanche payoff. It is amazing to have this sheet with all of the formulas created and do the math work for you. I would highly recomment this item. I also bought this sellers Easy Budget sheet and love it, as well.

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FAQs

Please visit our FAQs page for more information.

Do I need to pay a monthly subscription?

Nope! No subscriptions, no hidden fees—just a one-time purchase and it’s yours forever. Access your templates anytime, no extra costs!

Is this spreadsheet beginner-friendly?

Absolutely! Our templates are designed to be super easy to use, with clear instructions to guide you every step of the way. Plus, you’ll find an internal guide and handy tips inside to make things even smoother!

Can I use the spreadsheet on multiple devices?

Yes! Once downloaded, you can access it on any device that supports Google Sheets and Excel (Excel is available only for templates that include an Excel version). Manage everything from your laptop, tablet, or phone—for free!

What if I need help?

We’ve got you! If you have any questions or need assistance, just reach out via our contact form, chat, or email—we’re happy to help!

How do I access my purchase?

After purchase, you’ll receive a confirmation email with an “Access Download” button. Clicking it takes you to your order page, where you’ll find a Download button. This will give you a PDF that contains clickable links to your templates, plus a video guide to help you get started. You can also download the same PDF instantly from the confirmation page after checkout.

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