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Personal · Free tracker

Debt repayment tracker

Your balances, payments and due dates, and how fast each debt is going down.

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How this tracker works

Only you can see this. Enter your latest statement balance. Balances do not update on their own when you pay or add charges. The payoff date uses the same math as the debt payoff calculator: a fixed rate, interest added monthly, the same payment each month starting on the next due date, and no new charges or fees. Your lender’s figures can differ.

$0.00Current balances
$0.00Planned monthly payments
$0.00Interest this month (estimate)
0Debts tracked

Totals for all 0 entries

WHAT NEEDS YOU

Nothing overdue or due in the next 7 days

Your entries0

Nothing here yet.

Your balances, payments and due dates, and how fast each debt is going down.

For exampleTruck loan · $25,000 at 6.875% · $500 a month · next payment Nov 15

YOUR NEXT STEP

Insights & next steps

Calculated guidance

Based on the current figures shown here. These review prompts use rules, not a live AI model.

Start with real records

Nothing is in this tracker yet.

Add your first debt above. For example: Truck loan · $25,000 at 6.875% · $500 a month · next payment Nov 15

Pay more than the interest

Interest this month is roughly balance × rate ÷ 12. A payment above that shrinks the balance; the payoff date shows when it reaches zero.

Update balance from each statement.
Ask about my numbers · optional AI

Only the workspace owner can use this connection. OpenAI receives the summary below and your question when you click Send. Do not include names, SSNs, account numbers, employee details or patient information. AI can make mistakes and has no live tax-law lookup. Nothing is posted, paid or changed.

Review the summary to send
{
  "area": "standalone tracker",
  "tracker": "debt",
  "scope": "current filtered active entries only",
  "items": [
    {
      "title": "Start with real records",
      "detail": "Nothing is in this tracker yet.",
      "action": "Add your first debt above. For example: Truck loan · $25,000 at 6.875% · $500 a month · next payment Nov 15"
    },
    {
      "title": "Pay more than the interest",
      "detail": "Interest this month is roughly balance × rate ÷ 12. A payment above that shrinks the balance; the payoff date shows when it reaches zero.",
      "action": "Update balance from each statement."
    }
  ],
  "summary": [
    {
      "label": "Current balances",
      "value": 0,
      "unit": "money"
    },
    {
      "label": "Planned monthly payments",
      "value": 0,
      "unit": "money"
    },
    {
      "label": "Interest this month (estimate)",
      "value": 0,
      "unit": "money"
    },
    {
      "label": "Debts tracked",
      "value": 0,
      "unit": "count"
    }
  ],
  "count": 0,
  "guidance": [
    {
      "title": "Start with real records",
      "detail": "Nothing is in this tracker yet.",
      "action": "Add your first debt above. For example: Truck loan · $25,000 at 6.875% · $500 a month · next payment Nov 15"
    },
    {
      "title": "Pay more than the interest",
      "detail": "Interest this month is roughly balance × rate ÷ 12. A payment above that shrinks the balance; the payoff date shows when it reaches zero.",
      "action": "Update balance from each statement."
    }
  ]
}

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