The Paycheck-Day Sheet — a free page from the Debt Payoff Tracker.
This is the real one-page routine that runs the morning your money lands: what's due before the next check, which debt gets the extra this time, and what's truly safe to spend after. Download the PDF free, right now, no signup needed.
Your tracker holds the plan. This sheet runs the payday.
The spreadsheet shows the whole journey — every balance, every payoff date. The Paycheck-Day Sheet is the printable that runs the morning the money lands: what's due, which debt gets the extra, what's safe to spend.
Print it, stick it on the fridge or in your planner, and give payday five focused minutes.
Download the free sheet
The real PDF, right now — no email required.
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Join the listWhat the full tracker includes
- Every balance in one place: the My Debts tab holds each card and loan, its balance, minimum, and rate.
- Snowball or avalanche, your choice: the Plan tab runs the math either way and shows your freedom date.
- Visible progress: a Progress tab that updates as your balances fall, month after month.
- Real Excel file: works in Excel or Google Sheets. No software to buy, no subscription.
- Undated on purpose: start the month you download it, use it again next year.
Printing the Plan tab or the whole tracker? See Where to Print It for paper settings, print-shop options, and what it costs.
Ready for the whole plan?
The free page is one tab. The full tracker is every balance, every method, and the date you'll finally be done.