5+ Free Debt Payoff Tracker Printables

Use these free debt payoff tracker printables as visual encouragement as you work to pay down your debt! Choose the debt payoff tracker that you like best or use a different one for each debt you’re working on.

One of the reasons we love printables so much is that they can just be so darn motivating! Simply being able to check something off a list or color in a circle whenever we’ve finished a particular task can motivate us to keep going with whatever we’re trying to pursue.

Paying off our debt is no exception. It’s important to stay organized and have a plan for paying down debt. But it can also be helpful to have a visual representation of our debt as the amount we owe gets lower and lower and lower. And that’s exactly why we created these debt payoff tracker printables!

Free Debt Tracker Printable Pages

We’re sharing five different debt payoff tracker designs, and each design comes in two cute color schemes. That’s 10 pretty printables to keep us motivated as we work to pay down our debt! (Snag even more printables to help organize your finances in our free printable Budget Binder.)

You can choose the tracker you like best, use a different one to track each of your debts, or do any combination you’d like!

If you could use help figuring out the best method to pay down your debt, you can learn about the best debt repayment methods here.

Related: 5+ Free Printable Savings Tracker Pages

Debt Payoff Tracker Chart

The debt payoff tracker chart helps us create a bar chart that will decrease with time as we pay off our debt. At the top of the page we write the name of our debt and the starting balance.

There are twenty boxes to track the amount of our debt, so each box will represent 5% of the amount we owe. Write the full amount of the debt in the top box on the left side of the chart. Then subtract 5% and write that amount in the second box from the top. We’ll continue decreasing the amount by 5% until we reach the bottom box.

For example, if we owe a debt of $10,000, we would write $10,000 in the top box, $9,500 in the second box, $9,000 in the third box, etc.– all the way down to $500 in the final box at the bottom.

At the bottom of the chart, we’ll write the current month in the first box, then the subsequent months in the boxes after that.

Each month, we’ll color in the bar to represent how much of our debt we still owe. As we pay more and more, our bar will get smaller and smaller until it’s finally paid off.

Debt Payoff Tracker Road Map

For the debt payoff tracker road map, we can again write the name of our debt at the top of the page, along with the starting balance.

There are 100 circles on the road map, so each circle represents 1% of our debt. For a $5,000 debt, each circle would represent $50. There is a place to note the amount each circle represents at the top of the page.

Every time we pay down another 1% of our debt, we can fill in a circle. We’ll get further and further down the “road” until we’ve finally paid 100% of our debt!

Debt Payoff Tracker Thermometer

Is there a more classic way to track a goal than with a thermometer?! As with our other printables, we can write the name of our debt and our starting balance at the top.

Every time we pay down 5% of our debt, we’ll fill in more of the thermometer. Watch the “mercury” rise as we get closer and closer to paying off 100% of what we owe!

Debt Payoff Tracker Wheel

The debt payoff tracker wheel is another fun way to visualize our debt being paid down. There is space to write the name of our debt and the starting balance at the top of the sheet.

There are 20 wedges in the wheel, each representing 5% of our debt. We can fill in a wedge each time we pay off another 5% of the debt we owe or we can fill in a partial wedge when we pay down a smaller amount.

Debt Payoff Tracker Banners

Finally, celebrate paying off your debt with our banner payoff tracker! As with all of the other trackers, we write the name of the debt and the starting balance at the top.

Each banner flag represents 1% of our debt. So if our debt is $1,000, we’d color in a flag each time we pay off $10. When all the flags are filled in, we’re finished paying off the debt!

Free Debt Payoff Tracker Printables: Final Thoughts

We hope you were able to find a debt payoff tracker (or several!) that will help you stay motivated as you work to pay down your debt! Tackling debt can be hard and it’s not always fun, so it’s always nice to have a visual representation of the progress we’ve made so we don’t get discouraged.

And when we’re finally able to fill in the last unit on our tracker and our debt is completely paid off, there will be no better feeling than having that stress out of our lives. You can do this!

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Happy Organizing!