Credit Card Payoff & Utilization Tracker Spreadsheet | Google Sheets & Excel Template

See every card's utilization at a glance, choose a payoff order and follow the month-by-month plan to a $0 balance.

What's inside

• Cards table: limit, balance, APR and minimum payment for each card
• Utilization % per card and overall, with amber and red thresholds you can change
• Extra monthly payment input and an automatic payoff priority
• Month-by-month payoff schedule with interest per card and optional one-time extra payments
• Total interest paid and an estimated payoff date per card and overall
• Payments Log with 300 rows
• Dashboard with KPI tiles, utilization by card, payoff order and a balance chart

Perfect for

Anyone paying down credit cards who wants to watch utilization fall and know the payoff date. A planning tool, not financial advice — results are estimates based on the numbers you enter.

What you get

• One .xlsx file with 5 tabs that works in Microsoft Excel 2016+ and Google Sheets
• A quick-start PDF guide
• A built-in Start Here tab with step-by-step instructions and example data you can clear

How it works

1. Buy the template.
2. Get your instant download link on the order confirmation page and in your email.
3. Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.

Digital product — no physical item will be shipped. Personal use only.
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