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
The layout is fixed at a size that fits both A4 and US Letter, so the A4 and Letter files are visually identical and print at full size on either. Rows are set at a height that an adult can actually write a date and a few words into with a pen — most printable tables are built in a word processor and never tested with one.
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.
Related sheets
Subscription and Fees Record
Track subs and match fees per member so a treasurer chases the right people and knows the total outstanding.
CB-03 1 page
Invoice and Payment Tracker
See at a glance which invoices are out, which are late and when each was last chased, which is the information that actually gets invoices paid.
IM-07 1 page
One new sheet, most weeks
We are building this library out steadily. Leave an address and we will send the new sheets as they are finished — nothing else, and no more than one email a week.
Sign-up is not live yet — we have not connected an email provider, so this form is switched off rather than quietly collecting addresses.