Free 2026 Excel workbook
Organize Your Debt and See the Full Year in One Dashboard
Enter each debt once, update your balances monthly, and see your payments, interest, utilization, bill-saving opportunities and payoff estimates across 2026.
Your Numbers. Your Options. Your Decision.
No lender application • No credit check • No bank connection • Educational estimates
Designed for Microsoft Excel. Formatting and calculations may vary in other spreadsheet applications.
Last updated: August 2026
Illustrative sample data
What’s included
- One-page financial improvement dashboard
- Space for up to 30 debt accounts
- January–December monthly tracking
- Avalanche, snowball and custom payoff planning
- Bill-lowering suggestions and savings estimates
- Loan and consolidation-offer comparison
- Annual review and printable action plan
- 2027 rollover worksheet
- Built-in formula and data checks
How it works
- 1
Enter your debts once
Nickname, balance, APR and minimum payment for each active account.
- 2
Complete one short monthly update
Update balances and payments on the Monthly Update tab.
- 3
Review your dashboard and next steps
See totals, utilization, payoff estimates and your action plan.
Your privacy
Your financial information stays in the workbook. PDC does not receive the balances, account details or other information you enter. Never enter Social Security numbers, passwords, login credentials or full account numbers.
If you upload the workbook to Google Drive, OneDrive or another third-party service, that provider’s privacy and security policies apply to the copy stored there — not PDC’s. Read our Privacy Policy for how PDC handles the email address you choose to give us.
Questions about the dashboard
Yes. The 2026 workbook can be downloaded immediately without applying for a loan or providing an email address.
No. The downloaded workbook stays on the device or storage service you choose. PDC does not receive the information entered into it.
No. It does not request banking credentials or connect to financial accounts.
No. It is a transparent workbook progress score based only on information entered by the user.
No. It remains usable. PDC may release an updated 2027 edition with new calendar tabs and improvements.
Prefer something quicker? The Free Financial Checkup produces a written PDF action plan in three steps, with no email address at all.