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Aim every paycheck at one debt, and watch them close one by one. Snowball or avalanche, decided in a minute. Every minimum matched to the payday that pays it. Six debt trackers with a thermometer to color in as each balance shrinks. 22 undated pages for any PDF app, or printed at home.
Your files + receipt land here the moment payment clears.
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◐ Honest note: this is a PDF, not an app. It opens in the PDF app you already have — GoodNotes, Notability, Noteshelf, Xodo, even Files or Books — and it prints at home on standard US Letter, 8.5 × 11.
One working tracker from the full pack: the balance, rate and minimum, a line for every payment with interest in its own column, and a 10-band thermometer to color in. Digital or printed, standard US Letter. In your inbox in a minute.
Nobody ever told you which debt your next paycheck is for. This pack does, one payday at a time.
You never miss. And the balances barely move.
That is what happens when a little extra gets spread across everything. Each debt gets a few dollars, none of them gets enough to actually end, and interest quietly takes back a big share of what you sent.
If that is you, you are in very good company: the average card rate sat around 21% in 2026, and nearly half of people with card debt have no payoff method at all. The fix is not more discipline. It is a plan with an address on it.
Every minimum goes to the payday that lands just before it is due. Everything extra goes to one debt, and only one. When that debt reads zero, its minimum does not disappear: it rolls onto the next target on the same payday, so each debt closes faster than the one before it.
One line per payday, 26 lines, a full year of biweekly pay. Minimums first, then the extra, all of it, at one target, with the target’s new balance beside it so you watch it fall. A third paycheck or a tax refund gets its own line.
Each debt gets its own tracker: every payment on one line, interest in its own column, and a band to color each time another tenth is gone. It is the thing that keeps you going in month four, when the numbers feel slow and you need to see that they are not.
You do not fix all of it tonight. You decide which debt your next paycheck is for.
Download the PDF and open it in whatever you already use: GoodNotes, Notability, Noteshelf, Xodo, even Files or Books. Rather write by hand? Print it. It is standard US Letter, 8.5 × 11, and you can print a tracker for every debt you have.
Balance, rate, minimum and due day, all on the My Debts page. Seeing them in one place is the moment they stop running the show.
The four-question picker settles snowball or avalanche in about a minute. Write the winner at the top of Payoff by Paycheck and aim your next payday at it.
Decide tonight which debt it is for. It is one PDF: no subscription, no account, no new app. Open it in the PDF app you already have, or print it at home on US Letter, as many tracker pages as you need.
Not sure yet? Take the One Debt Thermometer Page free, one real tracker from this pack, and start on one debt tonight.
No. It is a PDF you open in the app you already have: GoodNotes, Notability, Noteshelf, Xodo, even Files or Books. Rather use paper? It prints at home on standard US Letter, 8.5 × 11.
The My Debts page holds thirteen. For trackers, duplicate the page in GoodNotes or Notability, or print another copy. Every tracker page works the same.
It still works. Payoff by Paycheck is one line per payday, however often yours comes, and each minimum goes to whichever payday lands just before it is due.
Anything with a balance and a payment: credit cards, store cards, medical bills, car loans, student loans, buy now pay later, money owed to family. Whether to include a mortgage is your call.
Pay every minimum anyway, send a smaller extra rather than none, and carry on at the next payday. The plan bends. It does not break.
No. It is undated. Start on any payday and use it until the last debt is gone, however long that takes.
Instantly. Your download is on the screen the moment payment clears, and the link comes by email too. Nothing ships in the mail.
Simple: if you want a refund, email support@sweetpeadigital.com and we refund it, no hoops. If something in the file isn’t working, we’ll gladly fix it the same day, but the refund is always yours to take.
