How to use this printable

This free debt-free plan worksheet turns a pile of statements into a single page you can pin to the fridge. Type your numbers straight into the fields above and hit Print / Save as PDF, or print it blank and fill it in by hand — whatever you'll actually stick with.

  1. Set a date. A real deadline ("debt-free by December 2027") is far more motivating than "someday." Not sure what's realistic? The debt-free date calculator tells you the payment a date requires.
  2. List your debts in order. Smallest balance first for the snowball, or highest rate first for the avalanche — compare both in the snowball vs avalanche tool.
  3. Commit a monthly amount. Every dollar above the minimum clears debt faster — see how much faster with the extra payment calculator.
  4. Track it. Tick a box each month you stay on plan. Momentum is what gets people to the finish line.

This worksheet is for general informational purposes only and is not financial advice. © 2026 Kontio Power, LLC.