Debt Payoff & Sinking Funds Tracker 2027
Excel + Google Sheets
List your debts once, choose Snowball (smallest balance first) or Avalanche (highest interest first), and the sheet tells you which debt to attack. Log payments and every balance, total and progress bar updates by itself. Sinking funds tell you how much to set aside each month for known costs like Christmas, car service or holidays.
£9.98
Etsy UK price including VAT. Prices may differ on other marketplaces; check your chosen listing before purchase.
Instant digital download. Please check the current listing for the exact files and licence included.
What’s included
• Excel & Google Sheets file, UK (£) and US ($) versions
• Example (filled) + blank file for each
• Dashboard · Debts with payoff order · Payments log · Sinking Funds · How-to tab
• Quick-start PDF
How to use your files
1. Download after purchase.
2. Open in Excel, or in Google Sheets via File > Import > Upload.
3. Fill the Debts tab, choose your method, log payments.
Planning and record-keeping information
This is a record-keeping and planning template, not tax, legal, accounting or financial advice. Fee, tax and interest figures are estimates based on the numbers you enter. Please check with a qualified professional or your tax authority. A DISCLAIMER.txt is included.
How this was made
Designed by Oddwren (a small UK shop in Portsmouth). I use AI-assisted tools for drafting text and layout ideas; every page, formula and mockup was checked and finished by hand. Mockup images show the real files.
Before you buy
Is this a physical product?
No. This is a digital download. No physical item is shipped.
Where do I get the files?
Your chosen marketplace provides the files after purchase. Follow its order page and download instructions.
What if I need help?
Email hello@oddwren.shop with your order details. Refunds follow the policy of the marketplace you bought from and your applicable statutory rights.
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