Two people, one debt pile — but not every balance is “ours”. His card, her loan, the joint one: most trackers mush them into a single total and the payoff talks go in circles. This Debt Payoff Tracker for Couples tags every debt Partner A, Partner B or Joint, keeps combined AND separate totals honest, ranks both payoff strategies side by side, and logs every real payment until the pile is gone.
What it does for you:
– Start Here — 5-minute setup: enter your household’s extra payment per month; the Dashboard adds it to your planned payments for a combined debt-free estimate.
– Debt List — every debt tagged by owner: Partner A, Partner B or Joint. No joint card hiding under one name, and no pretending a personal balance is shared.
– Snowball AND Avalanche, side by side — Snowball Rank (smallest balance first) and Avalanche Rank (highest APR first) calculate next to each other, so the two of you pick a strategy with the same numbers in front of you.
– Payment Log — log every real payment; Paid So Far and Remaining update per debt automatically. Progress is recorded payments, not intentions.
– Min Covers Interest? — a built-in warning column: a red NO means the minimum payment does not cover the monthly interest and the balance grows even when you pay on time.
– Dashboard — combined totals, separate totals per partner, and the debt-free estimate with your extra payment included.
– Monthly Summary — 12 months of payoff progress in one view.
– Sample rows pre-filled so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. Not financial advice — just your numbers, clearly.
What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Debt List (combined & separate) · Payment Log (every real payment) · Dashboard · Monthly Summary (12 months).
Instant download. No shipping, no waiting. Message us if you need help setting it up — we answer fast.
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