FREE 10+ Debt Tracker Samples in PDF

According to a survey conducted by We Forum in May 2022, the global debt is about 300 trillion dollars, with the United States of America at the forefront of the most indebted country in the world. Considering how much debt we have accumulated throughout the years, it is no wonder that the economy is getting unstable as time goes by. However, while it does not provide a direct solution to the problem at hand, it is recommended that people should track their debts, otherwise they’ll fall into financial crisis within a matter of time. Read further to learn more about debt and how to make a tracker that could work for you. 

10+ Debt Tracker Samples

1. Debt Tracker

2. Debt Repayment Tracker

3. Simple Debt Tracker

4. Debt Payment Tracker

5. Credit Card Debt Tracker

6. Debt Collector Tracker Sheet

7. Debt Payoff Tracker

8. Debt Tracker Planner

9. Monthly Debt Tracker

10. Debt Tracker Worksheet

11. Savings Debt Tracker

What Is Debt?

Debt is the act of borrowing money or goods from one person to another. Debts can be accumulated in many different ways aside from borrowing cash money, such as using credit cards, bank loans, home mortgage loans, student loans, gambling, and even poor financial planning. Debt can cause a lot of serious trouble since it can also affect an individual’s health when they are not handled efficiently. 

How to Create a Debt Tracker?

To create a debt tracker, you need to have a software where you can design your tracker, a list of your debts, your payment receipts, and billing statements. Begin your task by following the steps below.

1. List Down Your Debt Accounts

To start writing down the details that you will need upon tracking your debts, write the names of the institutions or people to which you are indebted. This includes your real estate agent (if you have purchased a home via loan), your utility service providers (for electric, Internet, phone, water, heating system), your bank (especially if you have loans), that neighbor who lent you money for your fare expenses, and other relevant information. 

2. Write The Amount You Owe

Besides the names of the accounts you owe payments to, write the total amount of how much you need to pay them. If you have paid a portion of the amount on certain debt, do not include the payment amount just yet since there is another column for it. If the debt has an interest, you can add it to the total amount of your debt as long as it is already a fixed amount. If not, you can create another column for that as well. 

3. Input the Amount Paid and Date

In the next two columns, you can now make a space where you can write the amount you have already paid out of the total debt amount and when you paid it. This is very important especially if you are paying a lender that has no official receipt that you can keep. Furthermore, you can monitor the duration in which you can pay off a debt when you have irregular or seasonal income. Of course, it is still recommended that you keep the receipts to make your tracker information valid when somebody claims that you are not paying what you owed. 

4. Include Due Dates

There are some lenders that place interests on debts that are not yet paid past their due date. That is why you should be aware of when a debt is due so you can pay on time and not accumulate more debts by accruing interest. Write the due dates of your every debt on the right side column of the account names so you can see it immediately. 

Accumulating debts can be very worrisome, especially when your income or cash flow is not enough to pay them off. However, if you have a debt tracker, you can manage your debts more accurately and you will be more mindful of your spending habits. Get started on your journey to becoming debt-free by downloading our editable templates today.