.svg)
.png)
.jpg)
Debt Payoff
Take control of your debt with YNAB's proven payoff strategy. You’ll steadily chip away at what you owe while also building habits that protect you from falling back into debt. And here's what makes this different: no guilt, no shame, no lifetime sentence of instant noodles—just a realistic, sustainable plan that helps you eliminate debt, plan for your future, and live the life you want today.
Notes
You won’t see any credit card categories in this template—YNAB creates those automatically when you add your credit card accounts, so you can track exactly how much you’ve set aside for payments. Once you've customized the categories and targets to reflect your life, you're ready to tackle that debt. Here's the plan: First, cover your monthly expenses (the necessities). Then save for non-monthly expenses. Yes, it's tempting to throw extra at your debt, but we're building a new habit here—one that keeps you from needing debt in the first place! Optionally, set aside some fun money. If you do, this habit is what keeps you from burning out. Finally, pick one debt to focus on and send all your remaining dollars straight at it. You'll love watching that balance drop!
Template Features
- Fully customizable
- Built around YNAB's debt payoff method
- Preview-only category amounts for flexible planning
On a mobile device? Get this template in the YNAB web app.
Come back to this link on desktop and you’ll be able to automatically import this template into YNAB.
