{"product_id":"debt-payoff-tracker-excel-and-google-sheets-printable-planner-payment-log-with-bonus-motivation-kit","title":"Debt Payoff Tracker Excel and Google Sheets | Printable Planner, Payment Log with Bonus Motivation Kit","description":"\u003cp\u003eTrack up to 12 debts in Excel or Google Sheets, plus 19 printable pages: 3 debt tracking sheets and a 16-page Fresh Start \u0026amp; Small Wins bonus kit. A separate Quick Start PDF is included. Digital download only. Use Microsoft Excel for the Excel file, or a free Google account for the included Google Sheets version. Software is not included.\u003c\/p\u003e\u003cp\u003ePaying off debt starts with one small step. 💚 Record payments, interest and fees from your statements, then see your tracked balances and progress update from your entries. Use the Excel or Google Sheets workbook, complete the printable pages by hand, or work with both—whatever fits your routine.\u003c\/p\u003e\u003ch3\u003eQUICK START GUIDE INCLUDED\u003c\/h3\u003e\u003cp\u003eDownload the separate Quick_Start_Debt_Payoff.pdf for your first three steps, a worked balance example, and Excel tips. The workbook and printable bonus pages are in the ZIP.\u003c\/p\u003e\u003ch3\u003eWHAT’S INCLUDED\u003c\/h3\u003e\u003cp\u003eYour download contains the original ZIP, the separate Quick Start PDF, and a Google Sheets access PDF with a link to make your own editable copy. The ZIP includes: ✓ Editable Excel workbook\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eTrack up to 12 debts\u003c\/li\u003e\n\u003cli\u003eRecord starting balances and minimum payments\u003c\/li\u003e\n\u003cli\u003eLog payments, interest, and fees\u003c\/li\u003e\n\u003cli\u003eAutomatically update tracked balances and progress from your entries ✓ Complete 19-page printable PDF\u003c\/li\u003e\n\u003cli\u003e3 debt tracking pages\u003c\/li\u003e\n\u003cli\u003e16-page Fresh Start \u0026amp; Small Wins bonus kit\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eDEBT TRACKING PAGES\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eDebt payoff overview\u003c\/li\u003e\n\u003cli\u003eIndividual debt focus and payment progress page\u003c\/li\u003e\n\u003cli\u003ePayment and charge log\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eYOUR BONUS KIT\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eSimple goal planning\u003c\/li\u003e\n\u003cli\u003eWeekly and daily planning pages\u003c\/li\u003e\n\u003cli\u003eA 30-step progress tracker\u003c\/li\u003e\n\u003cli\u003eSmall-win bingo\u003c\/li\u003e\n\u003cli\u003eA 15-minute home reset\u003c\/li\u003e\n\u003cli\u003eSpace to organize thoughts and tasks\u003c\/li\u003e\n\u003cli\u003eGratitude and reflection prompts\u003c\/li\u003e\n\u003cli\u003eCutout celebration cards\u003c\/li\u003e\n\u003cli\u003e12 motivational quote cards Simple steps, visual progress, and encouragement along the way.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHOW TO USE\u003c\/h3\u003e\u003cp\u003e1. After payment is confirmed, use the download links emailed to the address entered at checkout. Download the ZIP and the separate Quick Start PDF. 2. Save and unzip the ZIP: on Windows, right-click and choose Extract All; on a Mac, double-click it. Open the .XLSX workbook in Microsoft Excel and save a working copy. For Google Sheets, open the separate access PDF and click its button, sign in to Google, and choose Make a copy.\u003c\/p\u003e\u003cp\u003eKeep an untouched original. 3. Read Quick Start. On Debt Overview, enter your debt names, starting balances, optional APR and minimum payments. Keep each debt’s existing ID so transactions stay connected. 4. On Payment Log, use the matching debt ID and a separate row for each payment, interest charge or fee. Enter the amounts from your own records; leave calculated cells intact. 5.\u003c\/p\u003e\u003cp\u003eReturn to Debt Overview and check the tracked balance against your statements. APR is a reference field; interest and fees are entered manually. Save your workbook. 6. For paper tracking, print selected PDF pages at Actual Size \/ 100% on US Letter paper and complete them by hand. Celebrate the small wins as you go!\u003c\/p\u003e\u003ch3\u003ePLEASE NOTE\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eThis is a digital download. No physical item will be shipped.\u003c\/li\u003e\n\u003cli\u003eThe Excel workbook is editable. The PDF is designed to print and complete by hand.\u003c\/li\u003e\n\u003cli\u003ePrintable pages are US Letter size, 8.5 × 11 inches.\u003c\/li\u003e\n\u003cli\u003eChoose Microsoft Excel or the included Google Sheets version. A free Google account is needed for Google Sheets; software is not included.\u003c\/li\u003e\n\u003cli\u003eInterest and fees must be entered from your statements. The spreadsheet does not calculate future interest or predict a payoff date.\u003c\/li\u003e\n\u003cli\u003eThis is an organizational tool, not financial advice.\u003c\/li\u003e\n\u003cli\u003eFor personal use only. Please do not resell or redistribute the files. Created by Keys \u0026amp; Keep to make everyday planning a little easier—and progress a little easier to see. 💚\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eDelivery and device compatibility\u003c\/h3\u003e\u003cp\u003eAfter payment is confirmed, download links are sent to the email address entered at checkout. Save your files to your phone, tablet, or computer, and extract ZIP files before opening their contents. Use an app compatible with the included file formats. Fillable PDFs need a reader that supports PDF forms; printable-only PDFs are completed by hand.\u003c\/p\u003e\u003cp\u003eA larger screen may be helpful for detailed spreadsheets, layout editing, and printing. Features and layout can vary by device and app. Software and printing are not included.\u003c\/p\u003e\u003cp\u003eNeed help? Visit our \u003ca href=\"\/pages\/download-help-faq\"\u003eDownload Help \u0026amp; FAQ\u003c\/a\u003e or \u003ca href=\"\/pages\/contact\"\u003econtact us\u003c\/a\u003e. See our \u003ca href=\"\/policies\/refund-policy\"\u003erefund policy\u003c\/a\u003e for assistance with purchase issues.\u003c\/p\u003e","brand":"Keys and Keep Property","offers":[{"title":"Default Title","offer_id":46108724789317,"sku":null,"price":6.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0771\/3767\/4309\/files\/453df749-il_fullxfull.8583854234_lebm.jpg?v=1792789628","url":"https:\/\/keysandkeepproperty.com\/products\/debt-payoff-tracker-excel-and-google-sheets-printable-planner-payment-log-with-bonus-motivation-kit","provider":"Keys and Keep Property","version":"1.0","type":"link"}