Description
Most people have a rough idea of what they owe. They do not know their exact debt-free date, how much interest they are losing every single month, or what a £50 extra payment would actually do to their timeline. That gap between knowing you have debt and knowing exactly how to get out of it is where this tracker lives.
What you get — 8 tabs, fully automated
Dashboard — Your debt command centre. Total debt remaining, total interest saved, days to freedom, and milestone tracker at 25%, 50%, 75%, and cleared. Everything updates live as you log payments.
Debt Entries — Enter up to 25 debts. Auto-calculates monthly interest, estimated payoff date per debt, and flags any payment that is too low to even cover the interest being added.
Payment Log — Log every payment you make. The tracker automatically splits each payment into interest and principal so you can see exactly how much is going to the bank versus coming off your actual balance.
Strategy Comparison — See snowball, avalanche, and your current plan side by side. Exact months to debt free. Exact total interest paid. Exact money saved per strategy. Decide with numbers, not guesswork.
Windfall Calculator — Got a tax refund, overtime pay, or a cash gift? Enter the amount and instantly see how many months it removes from your payoff date and how much interest it saves you. Works for extra monthly payments too — see what £10, £25, £50, or £100 extra does.
Creditor Log — Every call, every letter, every agreement — logged with date, contact name, and outcome. Protects you if a creditor later disputes what was agreed.
Subscription Audit — List every recurring charge from your bank statement. Mark keep or cancel. See exactly how much you could redirect to debt if you cut the ones marked cancel — and how many months that saves.
Instructions — Step-by-step setup guide with links to free DebtShift tools. Up and running in under 10 minutes.
How it works after purchase
You receive a PDF immediately after payment. Inside is your Google Sheets template link. Click it, make a free copy to your Google account, and your private tracker is ready. Your data stays private — only you can see it. No subscription. No monthly fee. Free lifetime updates included.
Who this is for
Anyone carrying credit card debt, personal loans, car finance, student loans, or a mix of all of them. Works whether you have £1,000 of debt or £50,000. Works on a tight budget and works if you have more to throw at it. Built for real people, not finance professionals.
Pair it with our free tools
Use the free AI Debt Payoff Planner at debtshiftai.com to build your initial plan, then track it here month by month. Use the Minimum Payment Trap Calculator to see how much your current minimums are costing you before you even open the tracker.
DebtShift is an educational publisher — not a debt management firm, credit repair company, or financial advisor. This tracker is for educational and organisational purposes only. For free regulated debt advice: UK — stepchange.org · US — nfcc.org
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