Add all your debts, track balances over time, and see your progress toward zero — all saved privately on your device.
✓ 100% Free✓ Saved to Your Device✓ No Sign Up Required✓ Private — Data Never Leaves Your Browser
💾 Your debts are saved automatically on this device.
Total Debt
$0
Amount Paid Off
$0
Monthly Payments
$0
Progress to Zero
0%
Overall Debt Payoff Progress
0%
Add your debts below to start tracking
🎯 Compare Your Payoff Strategies
💵 Extra Payment
Enter what you can pay — see your payoff date
🎯 Target Payoff Date
Pick a date — see what payment it takes
Recommended Payoff Order
➕ Add a Debt
Add as many debts as you have — credit cards, loans, medical bills, anything. There's no limit.
The minimum your lender requires each month — check your statement
Why Tracking Every Balance Actually Matters
Most people carrying multiple debts only know their balances approximately — a rough sense of "about $8,000 on the card, some on the car." That vagueness is exactly what keeps debt feeling overwhelming. Seeing every balance in one place, updated as you pay it down, turns an abstract problem into a concrete, shrinking number. It's the same reason a fitness tracker works better than "I think I've been eating less" — precision creates accountability.
This tracker also does something most banking apps don't: it shows your total debt picture across every account type — credit cards, student loans, auto loans, medical bills — in one combined view. Each account only shows you its own balance; almost nobody sees the full number until they add it up somewhere like this.
How to Get the Most Out of This Tracker
Add every debt, even small ones — a $400 medical bill sitting unpaid still counts, and leaving it out understates your real progress.
Update balances monthly, right after your statement closes — this keeps the "% paid off" number honest instead of stale.
Use the notes field for anything actionable — "call to negotiate rate" or "promo rate ends March" — so the tracker doubles as a reminder system.
Once you have more than one debt listed, use "Plan Payoff" to run the avalanche method and see which one to prioritize.
🔒 Your data stays yours: Everything you enter here is saved only in your own browser's local storage. It's never sent to a server, never shared, and disappears if you clear your browser data — the same privacy approach used across every CalcFactor tool.
Frequently Asked Questions
Is this the same as a credit report or credit monitoring?
No — this tracker doesn't pull your credit report or connect to any bank. You enter your balances manually, which means it's not automatically updated by your lenders, but it also means no account linking, no credit check, and nothing leaves your device.
Will my data still be here if I come back tomorrow?
Yes, as long as you use the same browser on the same device and haven't cleared your browsing data. Your debts are saved locally, so returning to this page will show everything exactly as you left it.
Can I track debts for a spouse or family member too?
Yes — there's no limit on how many debts you can add, so you can track a household's full picture in one place if you're managing finances jointly. Just be mindful that anyone using the same browser and device will be able to see it, since there's no login or account separation.
What's the difference between this and the Debt Avalanche Planner?
This tracker is for ongoing monitoring — adding debts, updating balances over time, and watching your overall progress. The Debt Avalanche Planner is for strategy — telling you exactly which debt to pay off first and how much interest you'll save. Many people use both: track balances here, then jump to the planner whenever they want to re-run the payoff strategy.