Budget Tracker Sheet
Set a budget out on paper and record what actually happened next to it, so the gap is visible line by line rather than only at the bottom.
IM-10 1 page
Invoicing and money · IM-15
Debt Repayment Record
A free printable debt tracker — every debt with balance, rate and minimum payment, and a payment record against each, with no advice attached.
Download Free · no sign-up
2 pages. Choose your paper size — both versions are laid out identically, so neither one gets shrunk to fit.
Print it and write on it
Fill it in type and save
The fillable versions have real form fields — open them in any PDF reader, type into them and save. Printing help.
What this sheet is for
Get every debt onto one page with the real figures from the statements, and keep a record of what has actually been paid off.
Who it is for
Anyone paying down more than one debt and wanting to see all of it in one place.
How to use it
- Write every debt down, including the ones you would rather not.
- Copy the rate and balance from the statement, not from memory.
- Record the minimum as well as what you actually pay.
- Update balances monthly, on the same day, from the statement.
What is on the sheet
2 pages, in this order:
Page 1
Printed under the title: Every debt on one page — who, how much, what rate, what you are paying — and a payment record against each one.
A record, not advice. This sheet records. It does not advise. It suggests no order to pay things in, no strategy, no rate you should be on and no view about consolidation, because those depend on your circumstances and the wrong steer would do real harm. Free, regulated debt advice exists in most countries and is worth more than any printable.
How to use this sheet
- Write every debt down, including the ones you would rather not. A partial list is the thing that keeps people stuck.
- Copy the rate and the balance from the statement, not from memory.
- Record the minimum payment as well as what you actually pay.
- Update the balance monthly, on the same day, from the statement.
Write-on lines: Name · Sheet started · Currency · Review date
What is owed
Table, 8 rows: Owed to · Account or ref · Type · Balance · Rate · Minimum · Paying · Due date · Notes
Page 2
Payments made
Table, 19 rows: Date · Paid to · Amount · New balance · Notes
Write-on lines: Total owed at start · Total owed now · Updated on
Questions
Which debt should I pay off first?
This sheet does not say, and will not. The right answer depends on rates, charges, what is secured, what is in arrears and what happens to you if a particular one goes unpaid — and getting it wrong does real harm. Free, regulated debt advice is available in most countries and is worth far more than a printable. What this sheet does is put the facts in one place so that conversation is quicker.
Is it safe to write all this on paper?
It is your judgement. Paper cannot be hacked, but it can be read by anyone who finds it. If you share a home and would rather not have it seen, keep it somewhere considered.
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Also in the resources library
The same subject, with a version you can fill in on screen.
Before You Borrow Checklist
The rate, the fees and the total you would repay.
MC-899 Checklist PDF Online
Credit Card Payoff Calculator
How many months each fixed payment takes to clear the card.
MC-881 Planner PDF Excel Online
