Debt-Free Date Countdown Dashboard

Debt payoff feels endless because the finish line is invisible — a pile of balances, no date. This workbook makes the finish line a number you can watch shrink: list every debt once, and each one’s payoff date calculates itself from its real balance, APR and payment. The latest date on the board is your DEBT-FREE DATE. Under it: the days left, counted down from today, and your progress as a percentage — plus milestones that flip to REACHED as you cross 10%, 25%, 50% and beyond, and a monthly check-in log that proves the plan is matching reality.

What it does for you:
– Start Here — 2-minute setup: today’s date (the countdown measures from it) and any extra you can aim at debt each month.
– Countdown Board — every debt with Starting Balance and Paid So Far: Remaining, Months Left and Payoff Date calculate themselves with exact payoff math. If a payment does not cover the monthly interest, Months Left says Never — that debt needs a bigger payment before any countdown is real.
– The countdown itself — DEBT-FREE DATE (the last payoff on the board), DAYS TO GO, and PROGRESS %, all live on the Board and the Dashboard.
– Milestones & Check-Ins — milestone targets at 10/25/50/75/90/100% of your starting balance flip to REACHED as your total paid crosses them; the check-in log records your real remaining balance monthly, with Paid Off Since Last Check-In and Progress % done for you.
– Expense Log & Monthly Budget — a zero-based budget with a Debt Payments category, so the payments behind the countdown stay funded.
– Monthly Summary — 12 months of spending in one view.
– Sample rows pre-filled (5 debts, $13,900 started, $1,870 paid, $12,030 remaining: debt-free date 29 Jul 2029, 1,004 days to go, 13.5% progress; check-ins show the balance falling month by month) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. A planning and tracking tool, not financial advice.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Countdown Board (payoff date per debt) · Milestones & Check-Ins · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

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