Debt Tracker Worksheet
When your credit cards get out of control, it can take a while to get back on track. The Debt Tracker Worksheet will give you a visual of where you’ve been and, hopefully, a positive outlook on increasing your overall net worth!
Having a visual of exactly how much you owe is an excellent motivator to stay on track. Little bits of scratch paper with amounts owed and interest paid will work, but the Debt Boss will keep you organized, at a glance.

What’s Included On The Debt Tracker?
The Debt Boss debt tracker is a one page PDF document designed to handwrite in your numbers each month. If you’d rather use spreadsheets to track your debt, there is a Debt Boss spreadsheet included in these Money Management Spreadsheets. For tracking our own debt, I started with the PDF document and then created the Money Management Spreadsheets which I still use to this day.
Creditor
The Debt Boss provides 3 columns to record up to 3 debts. If you have more than 3 debts, print as many Debt Boss sheets as you need. This isn’t just for credit cards; list your mortgage, car payments, and any other debt that has an endpoint, too.
Credit Limit
It’s always good to know if you’re close to your credit limit and to keep tabs on your credit-to-debt ratio.
Did you know that if your balance is over 30% of your credit limit, it can affect your credit score? For example, if your Visa has a credit limit of $10,000 and you have $4,000 charged to it, it may affect your credit score in a negative way.
Interest Rate
The interest rate on each debt is good to know when paying down debt. Whether you use the Snowball Method or the Debt Avalanche, keep an eye on your interest rate. At one point in our debt payoff journey, one of our credit card interest rates rose to a crazy 31.15%. At that point, we were horrified enough to shift our priority to paying off that card using the Debt Avalanche.
Debt is normal.
Dave Ramsey
Be weird.
Snowball Method
The Snowball Method tackles the smallest debt first, and pays it off, while paying the minimum on all other debt. It then rolls that money over to the next smallest debt, building momentum. It’s argued that the momentum of the Snowball Method motivates people to keep going. It’s a great way to pay off smaller amounts to reduce your overall number of debtors.
The Debt Avalanche
The Debt Avalanche tackles the debt with the highest interest rate first, while paying the minimum on all other debt. After the highest interest rate debt is paid off, the Debt Avalanche then puts that money toward the next highest interest rate debt, until each debt is paid off. Depending on your credit balances, this method could take longer, but it may cost you less interest in the long run.
Monthly Balances
Monthly balances are important to keep track of from month to month to ensure credit card balances aren’t creeping up. At first, they may not move much, but eventually, you should see them taking a downhill slide.
If you’re only interested in tracking your total debt and want to make a game out of paying it off, you’ll love this Debt Payoff Game Sheet To Help You Crush Debt.
Monthly Interest Paid
There’s nothing that motivates you more to pay off debt than seeing how much interest you’re paying on your debt each month. Just imagine what you could do with that interest if you could keep it. Write down the interest you pay each month to see if it gets your blood boiling with determination to pay it off.
The Debt Boss shows you your debt at a glance. There’s no need to prolong the process. There is a good reason to keep the Debt Boss at your fingertips to encourage you in your debt payoff journey. Be a Debt Boss!
Free Debt Boss Worksheet
Take charge of your debt now!
You need a visual of exactly how much you owe and the interest you pay each month, to motivate you to do something about it! The Debt Boss Worksheet is here to help!
Having a visual of exactly how much you owe is an excellent motivator to stay on track. The Debt Boss will help keep you organized at a glance.
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When the credit cards get out of control, it can take a while to get back on track. The Debt Boss debt tracker will give you a visual of where you’ve been and, hopefully, a positive outlook on where you’re going! It’s time to Be The Boss of your debt!
Frequently Asked Questions

Hi! I’m Bridget!
I create printables and DIYs to help you get organized and celebrate special occasions! It’s my mission to inspire you to get creative and find joy in every day!
This is perfect for a minimalist! I like things consolidated. 🙂
Thanks for this. Now tracking debt will much more organized..