Weekly Cash Flow
Track the weekly cash flow that funds the debt attack payments.
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The debt snowball tracker.
Smallest to largest. Attack one. Then the next. Then free. Ten debts, ten progress segments, one deep-forest tracker. The Snowball method, made visible.
FormatPDF
PaperUS Letter
LicensePersonal use
Preview
What's inside
The Snowball method beats mathematically-optimal Avalanche in most real-world studies — not because the math is different, but because visible momentum sustains behavior. This tracker maximizes the visible momentum.
The method, in the callout
Two-line method summary at the top: list smallest to largest, pay minimums on all, attack smallest with extras. Roll payments as debts clear. The whole system in two sentences.
10-segment progress bar
Fill each 10% segment as total debt drops. Visual momentum — the single strongest driver of continued payoff behavior.
10 debt rows
Enough for most household debt loads (credit cards + car + student loan + medical + etc.). Numbered gold circles show attack order at a glance.
Original vs Current columns
See what you've paid down per debt. The gap becomes visible progress data — 'I've paid $X off this card' feels different than 'I owe $Y'.
Min pay + Attack columns
Separate columns for minimum payments and the extra 'attack' amount. Preserves the discipline — minimums on all, attack the smallest.
Forest + deep burgundy
Deep forest (progress/paid) + deep burgundy (debt/owed) + warm gold. The palette communicates the journey — from red to green.
How to use it
1
Download
Click the button above. Instant PDF, no signup needed.
2
List debts
Cream cardstock preferred. List every debt smallest balance to largest — order matters more than interest rate for the Snowball method.
3
Post visibly
Fridge, home office wall, planning binder. Visible progress is the whole point. Cross off the 10% segments as total debt drops.
4
Update monthly
Update Current Balance monthly. When smallest debt is cleared, roll its payment to next. When Current column hits 0, celebrate — the debt-free date isn't a fantasy.
Frequently asked
Is this really free?
Yes, free forever for personal use. No email required.
What paper works best?
Cream cardstock, 65-80 lb, matte finish for the most premium result.
Should I use Snowball or Avalanche?
Snowball wins for behavior. Avalanche wins on paper. Choose the one you'll actually complete.
What counts as a debt?
Credit cards, car, student, medical, personal, payday, BNPL, family loans. Mortgages usually excluded — own strategy.
What if I have more than 10 debts?
Second sheet, or consolidate small similar debts. Beyond 10, consider professional debt counseling too.