A scientific, structured approach to eliminating debt with clarity and confidence.

Most people have no idea how much their debt is really costing them — or how to prioritize payments in a way that reduces stress and saves money.

This tracker gives you a complete, organized, and strategic view of every debt you carry, from credit cards to auto loans, personal loans, student loans, and mortgages.
You’ll instantly see what’s due, what’s urgent, what’s costing you the most, and how to build a personalized plan to eliminate your balances faster.

WHAT’S INSIDE

✔ Debt Tracker (Excel)

A structured sheet to record all your debts with key fields such as:
• balance
• interest rate
• minimum payment
• due date
• remaining months
• automatic status alerts (On Track • Due Soon • Overdue)

✔ Credit Card Tracker (Excel)

Track every card with complete clarity:
• balances
• credit limits
• utilization percentage (color-coded)
• interest rates
• due dates
• days until due
• automatic alerts to prevent late fees

✔ Dashboard (Excel)

A clean, visual snapshot of your progress —
including payoff percentage so you can stay motivated as your balances shrink.

✔ Debt Snowball Plan

Pay off your smallest debts first for psychological momentum.
See your wins quickly and build confidence.

✔ Debt Avalanche Plan

Pay off highest-interest debts first for maximum money savings.
A mathematically optimized strategy for long-term efficiency.

✔ Step-by-Step PDF Instructions

Clear, simple guidance on how to use every sheet — written for busy professionals who want results, not complexity.

WHO THIS IS FOR

This tool is designed for:
• scientists, engineers, and STEM professionals
• entrepreneurs and small business owners
• women balancing career + family
• professionals recovering from a layoff or financial setback
• anyone who wants a clear, strategic way to eliminate debt

WHY IT WORKS

It combines behavioral psychology, mathematical optimization, and scientific clarity into a single system.
You don’t have to guess or feel overwhelmed — every number, color, and alert has a purpose.

Created by Rosi Corrales, PhD, Founder of The Future-Proof Money Lab.