Credit Card & Debt Payoff Tracker

Credit cards + BillEase / SPayLater loans • weekly salary plan • Excel import/export • fully offline

No server needed
Autosaved on this laptop

Salary & Budget Settings

Protect essentials first. Your reserve is money that should not be assigned to debt. The plan then protects overdue items, loan installments, and card minimums before optional extra payoff.

Debt Payoff Fit Check

Next payday
—
Thursday schedule
Available next salary
—
Salary minus reserve
Scheduled amount due
—
Required: —
Total debt balance
—
Cards + loans
Card utilization
—
Across credit cards only
Best-case debt-free
—
Before new interest/fees
Add your debt details to run the plan.READY
Quick Manual — what the fields, colors, and payoff plan mean
Balance vs. Amount Due

Balance is everything currently owed. Amount Due is the bill you want to cover this statement. If you cannot pay it in full, protect the minimum before the due date.

Minimum

The smallest card payment required for the statement. Missing it can trigger late fees or account problems, so the planner protects minimums before extra payoff.

Utilization

Card balance divided by credit limit. Below 50% is healthier for this tracker; 80%+ is treated as a strong signal to pause new charges.

APR / Monthly Rate

APR is the card annual rate. For BillEase/SPayLater, enter the financing rate shown by the provider. The calculator uses a simple monthly add-on estimate, not a lender quote.

Hold / Pause Use

For cards, Hold means stop adding new purchases while still paying the account. For loans, scheduled installments remain required even if you stop new borrowing.

Avalanche vs. Snowball

Avalanche targets the highest rate after required bills; snowball targets the smallest balance. Avalanche usually minimizes interest, while snowball can give faster balance wins.

Due-date order & urgency colors

Cards and loans are automatically displayed by earliest due date. Dark red means overdue or very close; the shade becomes lighter as the due date gets farther away. Rows without a due date are shown after dated active accounts.

  1. Keep your reserve for rent, food, transport, savings, and other essentials.
  2. Pay overdue obligations and anything due before the next salary first. The tables and recommendation list are sorted by due date to make this easy to follow.
  3. Protect every loan installment and every card minimum before extra payments.
  4. Pause new card charges when utilization is high or the weekly plan shows a shortfall.
  5. Use any safe leftover debt budget on your chosen avalanche or snowball target.
  6. For BillEase/SPayLater, only mark Extra payoff OK when the provider confirms early payment actually reduces what you owe or is allowed without penalty.

The debt-free date is a best-case estimate based on your current balances and weekly debt budget. Actual interest, fees, new charges, statement cycles, and lender rules can change it.

Your 5 Credit Cards

Overdue0–2d3–7d8–14d15–30d31+d
Card ⓘ Limit ⓘ Balance ⓘ Amount Due ⓘ Minimum ⓘ Due Date ⓘ APR % ⓘ Status ⓘ Utilization ⓘ Due Check ⓘ Suggested Action ⓘ Notes ⓘRemove
Cards are automatically sorted by due date. Darker red rows are more urgent; lighter rows are farther from the due date. “Hold” means pause new charges while keeping the account open and continuing required payments.

Loans & Pay-Later (BillEase, SPayLater, Other)

Overdue0–2d3–7d8–14d15–30d31+d

Quick Loan / Pay-Later Calculator

Estimate method: financed amount × monthly rate × number of months, plus one-time fees. Enter the exact rate and fees disclosed by the provider; actual provider calculations may differ.

Estimated Result

Financed amount
₱0.00
Interest + fees
₱0.00
Total repayment
₱0.00
Monthly installment
₱0.00
Provider ⓘ Loan / Purchase ⓘ Original Amount ⓘ Balance ⓘ Monthly Installment ⓘ Next Due ⓘ Installments Left ⓘ Monthly Rate % ⓘ Extra Payoff? ⓘ Status ⓘ Est. Remaining Payable ⓘ Suggested Action ⓘ Notes ⓘRemove
Loans are automatically sorted by next due date, with darker rows showing greater urgency. Loan rows are included in the weekly plan as required installments. Extra loan payoff is excluded unless you explicitly allow it for that loan.

Recommended Pay Order

Earliest due dates first. Each item shows the next amount funded by your weekly plan; Avalanche/Snowball is used for extra payoff after required obligations.

30-Day Outlook

Weekly Paycheck Plan

Required card bills and loan installments are assigned before optional extra payoff.
Funding Date ⓘAvailable ⓘFull / Scheduled Due ⓘRequired Minimums ⓘRecommended Payment ⓘRemaining / Gap ⓘStatusAllocation Details

Record a Payment

DateTypeAccountAmountNotes
Recording a card payment reduces its balance, amount due, and remaining minimum. A loan payment reduces its balance; when it covers at least one regular installment, the tracker advances the next due date by one month and reduces installments left by one. Deleting a log row does not reverse those changes.