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Free Credit Card Debt Snowball Tracker PDF

Choose lowest balance or highest APR and keep every card, payment, and payoff order in one PDF.

Published December 1, 2025

Use the snowball method to keep momentum on your credit card payoff. This tracker lists each card, APR, minimum, and target payment so you know exactly what to pay next.

When to use this

  • You want a simple printable list of each credit card, APR, and payment for your debt snowball.
  • You are comparing lowest-balance vs. highest-APR strategies and want to see the order side by side.
  • You share a payoff plan with a partner, counselor, or attorney and need a clean PDF log.

How to do it (fast)

  1. Open the Credit Card Debt Snowball Tracker tool below.
  2. Enter your name, the snapshot date, and choose lowest balance or highest APR.
  3. Add each card with balance, APR, minimum payment, and your target payment.
  4. Download the PDF and update it monthly as balances and promotions change.

Why this helps

  • Keeps every card in one place with the exact order you plan to pay them.
  • Shows how much you are paying above the minimum for each card.
  • Creates a shareable PDF you can hand to a coach or legal aid to show progress.

Related tools

Not legal advice. Courts set their own rules. Keep your original records.

What the snowball method is

The snowball method prioritizes momentum: you pay minimums on all cards, then focus extra dollars on one card at a time. When that balance hits zero, you roll its payment to the next card. This PDF keeps the order clear so you never guess which card is next.

Lowest balance vs. highest APR

Lowest balance first gives quick wins, which can help you stay motivated. Highest APR first saves more interest but may take longer to score that first paid-off card. The tracker lets you pick either approach and sorts the table accordingly.

Keep the PDF updated monthly

Update balances each month and adjust target payments when promotions expire or income changes. Download a fresh PDF after each update so you always have a current plan to print or share.

Open the snowball tracker tool

List balances, APRs, and payments with your chosen snowball order.

Open the Credit Card Debt Snowball Tracker tool

Last updated December 1, 2025