A complete Notion workspace built for your debt payoff journey — everything linked, everything tracked, no manual maths required.
7-day refund · No questions asked · Duplicate to your Notion in one click
Every debt as a record — balance, APR, minimum, status, payoff priority. Linked to your payment history so the tracker updates as you pay.
No manual maths. Total debt, total minimums, interest per month, and projected payoff date are all calculated automatically as you update balances.
See every payment due date in calendar view. Mark payments as made, track what's upcoming, and never miss a due date across multiple accounts.
A structured monthly check-in template — what to update, what to calculate, and what decision to make about next month's extra payment allocation.
Track both sides — debt going down, assets going up. The net worth view is the most motivating number when debt payoff feels slow.
Preset milestones at 25%, 50%, 75%, and 100% payoff — with a space for how you'll mark each one. Progress needs to be noticed to be sustained.
Spreadsheets work — until you stop updating them. Debt apps work — until they change their pricing model or go offline. Notion is free, reliable, and accessible on every device you own. This template is built to be duplicated into your account in one click and used immediately.
Unlike a static spreadsheet, the Notion template links your data across views. The debt you record in the tracker automatically appears in the payment calendar. The payment you mark as made automatically updates your total debt figure. The projected payoff date recalculates every time you log a payment.
The monthly review template is the feature most customers say they use most — a structured check-in that takes 10 minutes and gives you a clear picture of progress, what's changed, and what to prioritise next month. It's the habit that keeps everything else working.
This template requires a Notion account. The free plan is sufficient — no paid features are used. After purchase, you receive a Notion template link. Click "Duplicate" and it's in your workspace.
"I've tried three different apps and two spreadsheets. This template is the first tracking system I've kept up with for more than a month. The automatic payoff date calculation is what does it — I can see the date getting closer."
"The monthly review template is worth the whole price. 10 minutes on the first of the month and I always know exactly where I am and what I'm doing next."
No. The template uses only features available on Notion's free plan. Duplicate to your workspace and it works immediately — no upgrade required.
No. Notion's relational database features allow records to be linked across views in ways spreadsheets can't do. The debt tracker links to the payment log, which links to the calendar. This is the specific feature that makes it more useful than a spreadsheet — updates in one place propagate across the whole workspace.
The template comes with a setup guide that walks through each section in under 15 minutes. You don't need to understand how Notion works to use it — just duplicate and follow the setup steps.
After purchase on Gumroad, you receive a Notion template link. Click "Duplicate page" to add it to your workspace. The whole process takes about 2 minutes.
The tracking system that actually gets used.
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