Technically, these are spreadsheet templates that can be used with Microsoft Excel, OpenOffice Calc or Google docs. Templates are pre-formatted spreadsheets with formulas that have been entered, and all you need to do is download the template and open it. Just plug in a few numbers and the spreadsheet does the math for you. Some of the choices listed also present schemes for dealing with your loans, credit card and other debt.
If you need even more automation, check out my list of debt reduction planning software.
Vertex 42 Debt Reduction Snowball Calculator and Credit Repair Spreadsheet
Need help repairing your credit? Download the Debt Reduction Calculator - Credit Repair Edition to first pay down each credit card to specific levels determined by your FICO score. Once that goal is reached, the spreadsheet shows you how to start paying off all credit card balances.
Download Debt Reduction Snowball Calculator Spreadsheet
Download the Debt Reduction and Credit Repair Spreadsheet
Squawkfox Debt Reduction Spreadsheet
You will need to have an idea of how much money you will dedicate each month to paying off credit cards and other debt for the next step in this spreadsheet. Enter the amount you have planned or budgeted for paying down the debt and the spreadsheet will tell you what portion of that amount should be used to as additional funds to be applied to the bill with the highest interest rate.
The author of the spreadsheet and the Squawkfox blog, Kerry Taylor, paid off $17,000 in student loans over six months using this spreadsheet.
Download Squawkfox Debt Reduction Spreadsheet
It's Your Money Excel DebtTracker Spreadsheet
Once all your debts are entered into The DebtTracker, you can change the view by sorting debts by type (credit card, mortgage, various types of loans), interest rate, minimum payment, and other sort options. The sort option is helpful if you're using a particular debt payoff plan, such as the debt snowball.
There are six worksheets in the DebtTracker, including Paydown worksheets with a graph for tracking the results of paying off debt over time. The worksheets come populated with some data so you can see how they work (type over or erase the data when you do your own plan), and the download page includes a tutorial. You will need to enable macros in Excel to use DebtTracker spreadsheet, which is also explained in the tutorial.
Download It's Your Money DebtTracker
How Much Debt Costs Spreadsheet from Debt Free Adventure
There are three easy-to-use worksheets that require little instruction, but the How Much Debt Costs Spreadsheet doesn't do a lot math for you. For example, it can't figure out the dollar amount of interest that is allocated in each loan payment. You will need to know the principle and interest you will pay for each loan for over the course of several months. You can play with making extra payments to see the affect in the Totals sheet or on the graph.
Fill in details for each of your debts in the Data sheet for each month, then you'll see the total principle and interest paid each month and you can use the graph to see when you'll get out of debt. This spreadsheet includes a worksheet called Print which shows a breakdown of monthly and daily interest paid in huge red letters. The idea behind this is to print out that page and put it somewhere where you will see it often, like the refrigerator, to remind you of your goals and progress.
Download How Much Debt Costs Spreadsheet