Debt Payoff Chart Generator

A balance on a statement is hard to picture. This chart cuts yours into 50 or 100 boxes of the same size, to within one cent or one whole unit. Each payment lets you colour some in, and the end of every row shows what would be left. A second page gives you a simple payment log to keep next to it.

How to use it

Give the debt a name, such as the card or the loan.
Enter the balance you are starting from, for example 4,321.09 or 4.321,09, and choose your currency.
Pick 50 boxes for bigger steps or 100 boxes for smaller ones.
Download and print. Colour a box each time your payments add up to the amount shown in it.

Good to know

The boxes add up exactly to the balance you enter.
The chart does not include interest or fees. Your statement always shows the real balance, so use the log page to note it now and then.
One chart per debt works best. Make a separate page for each card or loan.
The chart is a tracker, not financial advice. It cannot tell you which debt to pay first.

Questions

Why does the chart ignore interest?

Interest depends on your rate, your payment dates and your lender's rules, and a printed page cannot follow those. The chart tracks the balance you started with. If interest is added, you will need more payments than the boxes show.

What if a payment is smaller than one box?

Shade part of the box, or note the payment in the log and colour the box when your payments reach its amount.

Should I pay the smallest debt first or the one with the highest rate?

This tool does not answer that. It is a tracker and works with any plan. For advice about your own debts, speak to a qualified adviser or a free debt-advice service in your country.

Is my balance sent anywhere?

No. The PDF is created in your browser and nothing you type is stored or sent.

More free tools

These printables are tracking sheets for your own plans. They are not financial advice and do not take your personal situation into account.