Debt Reduction Tracker & Freedom Clock

Debt Reduction Tracker

To plan your paydown strategy, input your balance, interest rate, payment date and automatic payment. Then adjust the extra payment to see how extra payments speed up the paydown. (Required fields highlighted in pink on the spreadsheet).

Freedom Clock

Use this tool once you’ve determined your targeted payoff date with the Debt Reduction Tracker. You can see exactly how many working days remain to reach your goal – updated daily with weekends, holidays and planned PTO accounted for.