Credit card debt is expensive. At 20%+ APR, every month you carry a balance is money you're handing to the bank for nothing. The problem isn't motivation — it's clarity. You don't know exactly what each card is costing you, which one to pay off first, or when you'll actually be done.

This credit card payoff tracker gives you that clarity. Enter your cards, see the real numbers, build the plan.

How It Works

Add each credit card to the tracker — card name, current balance, APR, and minimum payment. The tracker calculates your monthly interest charge for each card, your total interest cost if you only make minimums, and your payoff date based on your actual payment amount.

Set a target payoff date and the tracker tells you exactly how much you need to pay each month to hit it. Or set a monthly payment amount and see the payoff date. Adjust either variable and watch the numbers update instantly.

Enter each card — balance, APR, minimum payment
Set your monthly payment or target payoff date
See the payoff order, timeline, and total interest for each card
Log payments monthly and track real progress against the plan

Who It's For

This credit card payoff tracker is built for anyone carrying a balance on one or more cards who wants a clear, no-nonsense plan to get to $0. It's the right fit if you:

Have one or more credit cards with balances you're actively paying down
Want to see exactly what each card's APR is costing you per month
Are deciding which card to pay off first and want the math to guide the decision
Want to set a specific debt-free date and work backward to a monthly payment target
Are done paying for budgeting apps and want a one-time tool you own forever

It's purpose-built for credit card debt specifically — not a general debt tracker or full budget system.

What's Included

Card Input Sheet — enter all your cards with balance, APR, and minimum payment
Monthly Interest Calculator — see exactly what each card costs you per month at your current balance
Payoff Timeline — projected debt-free date based on your actual payment amount
Minimum Payment Trap Calculator — shows total interest and years to payoff if you only make minimums
Target Date Planner — enter a payoff date and get the required monthly payment to hit it
Payment Log — record actual payments and track progress month by month

Instant digital download. After purchase, you'll receive a link to copy the Google Sheet directly to your Google Drive. No software to install, works on any device.

Frequently Asked Questions

How many credit cards can I track?
As many as you have — just add a row for each one. No hard limit.

What is the minimum payment trap calculator?
It shows total interest and years to payoff if you only make minimums. For most cards at 20%+ APR, the numbers are eye-opening.

Can I set a target payoff date and work backward?
Yes. Enter your target date and get the exact monthly payment needed to hit it — or flip it and enter a payment to see the date.

Does this work for store cards too?
Yes — any revolving account with a balance and APR works. Not designed for installment loans with fixed schedules.

Is this a subscription?
One-time purchase. Copy it to your Google Drive and own it forever. No fees, no account, no renewal.

Credit Card Payoff Tracker – Google Sheets