Savings tracker booklet plus a debt payoff booklet you fold at home

This savings tracker booklet set gives you two small, undated booklets to make at home: one for savings and one for paying off debt, each with 16 booklet pages. The sheets are already arranged in saddle-stitch order on landscape paper, so you print on both sides, fold the stack and staple the spine. The 19 page PDF comes in US Letter, which makes Half Letter pages (5.5 x 8.5 in), and A4, which makes A5 pages (148 x 210 mm). Download it instantly. Nothing is shipped.

Shading a square for every deposit is a small joy. Watching a debt thermometer fill is an even bigger one.

What the savings tracker booklet does for you

No cutting is needed, because every booklet page is precisely half a sheet. The first page is printed beside the last, the second beside the second to last and so on, so the numbers fall into place as soon as you fold. In the savings booklet your goals stay in view: three 100 square grids where you shade one square for each deposit, 12 mini trackers for sinking funds and a deposit log that keeps a running total.

The debt booklet gathers all your balances on one page, helps you decide which to pay first and offers six thermometers plus one large thermometer for your total debt, to color in as the numbers fall. Small enough to sit with your bills or in a handbag, it turns a monthly money check-in into a ten minute habit.

Who these money booklets are for

• Savers working toward an emergency fund, a trip, a car or a home who love shading squares and seeing progress on paper
• Anyone paying down cards or loans with either the smallest balance first or the highest rate first method
• Sinking fund and cash envelope savers who want a little tracker for every fund in one slim booklet
• People who would choose a homemade, stapled booklet over a thick binder

Design and booklet format

• White pages with soft blush pink details, elegant, minimal and kind to your ink
• Generous margins, so a home printer will not clip any edges
• The US Letter file prints Half Letter pages (5.5 x 8.5 in), two to a side on landscape 11 x 8.5 in sheets. The A4 file prints A5 pages (148 x 210 mm), two to a side on landscape A4 sheets. Both are already in saddle-stitch order, with nothing to cut
• Undated, so you can begin in any month of any year
• Pink fold marks on each sheet, numbers on every booklet page and staple marks on the middle spread
• No currency symbols, so any currency works

Inside: 19 PDF pages, two booklets

1. 1Cover and contents
2. 2Printing help: a table showing both booklets with their PDF pages and sheets, how the sheets fit together, double-sided settings, a test sheet tip, steps for manual duplex and a box to note your own printer settings
3. 3Imposition and duplex guide with a sheet map for the savings booklet (all 4 sheets, front and back), the matching order for the debt booklet, five steps (print, stack, fold, staple, check) and tips for stapling without a long reach stapler and for using heavier paper
4. 4 to 11The savings booklet, 16 pages on 4 sheets. A cover with contents and lines for the year and owner. Savings goals: total to save, monthly amount, start date, a 12 row table (goal, target, per month, deadline, done box), why I'm saving and where the money is kept. Goal trackers for 2 goals, each with purpose, target, deadline, a progress bar of 20 steps and an 8 row deposit log. Three 100 square trackers (goal 01, goal 02 and an emergency fund), each with purpose, goal amount, value per square, start date, a numbered 10 by 10 grid, the date reached and how you will celebrate. A sinking funds overview: a 14 row table (fund, yearly cost, due, per month, saved) with 6 funds already filled in (car repairs, holidays and gifts, medical and dental, home repairs, back to school, annual fees), totals and the costs that caught you off guard last year. 12 mini sinking fund trackers across two pages (fund, goal, due date, 20 squares worth 5 percent each, saved so far, next deposit). A deposit log of 24 rows (date, goal or fund, amount, running total) with saved this year and the largest deposit. Withdrawals: 13 rows (date, from, used for, amount, left), a refill plan and what I'll do next time. 2 monthly money check-ins, each with money in, money out, saved and debt paid, a 5 row savings table (goal or fund, added, current total, percent there), a 5 row debt table (debt, paid, current balance, extra), money wins, what got in the way, two 1 to 5 scales for how you feel about money and how well you kept to the plan, and 4 boxes for next month. A savings year page with 12 months of saved, emergency fund and goals total, the year total, best month and milestones. Savings notes, and a back page with notes and a checklist for before the next booklet
5. 12 to 19The debt payoff booklet, 16 pages on 4 sheets. A cover with contents. Debt list: 10 rows (debt, balance, rate, minimum, due day), total owed, total minimums, the date listed, your payoff order (smallest balance first or highest rate first) and why you want to be debt free. Payoff plan: 8 numbered rows (debt, balance, payment, paid off by), the extra amount each month and its source, where a freed up payment goes next and rules that keep you on track. 6 payoff thermometers on two pages, each with the debt, starting balance, marks from 10 to 100 percent with an amount line at every mark, start date and paid off date. A total debt thermometer marked every 5 percent, dated milestones at 10, 25, 50, 75, 90 and 100 percent, 10 small rewards and a goal date for being debt free. 2 payment logs of 21 rows each (date, debt, paid, extra, new balance) with page totals. 4 debt detail cards over two pages (creditor, balance, rate, due day, contact, notes and a 7 row log of month, paid, balance and interest). 2 monthly money check-ins with the same layout as in the savings booklet: money in, money out, saved and debt paid, a 5 row savings table, a 5 row debt table, money wins, what got in the way, two 1 to 5 scales and 4 next month boxes. A balance tracker for 12 months covering 4 debts and a total, with paid down this year, interest paid and lessons learned. A paid off list of 9 rows (debt, paid off on, total paid, how you celebrated), where the freed up money goes and a note to your future self. Debt notes, and a back page with notes and a checklist

Files in your download

• Folded Savings & Debt Tracker Booklet in US Letter, a 19 page PDF
• Folded Savings & Debt Tracker Booklet in A4, a 19 page PDF
• Read Me First, a brief printing guide (PDF)

How to download and print

• Check out with PayPal, a debit or credit card, Apple Pay or Google Pay. Your download page opens as soon as the payment goes through.
• We email the same private download links to you, so you can download your files again later.
• Open the PDF in a free reader such as Adobe Acrobat Reader and print at 100% or Actual size.
• Print only the pages you need, as often as you like, for your own personal use.

Before you order

• The savings tracker booklet is a PDF to print on both sides and fold into booklets. It is not a hyperlinked digital planner, and paper, covers and a stapler are not included.
• You receive a digital file. Nothing physical is mailed.
• Printed colors may look a little different from your screen.
• Personal use only. Please do not share, resell or redistribute the files.
• Digital files cannot be returned. If a file does not open or print properly, email us and we will help right away.
• This is a tool for tracking and organizing money, not financial, tax, credit or investment advice. For choices about debt, savings or investments, talk with a qualified professional.
• Every printer lines up the back of a page slightly differently, so print the first sheet on plain paper as a test before running a whole booklet.

How this was made

Designed and written by PetiteDiary. AI tools helped draft parts of the text, and some background scenes in the preview images were created with AI. Every page was designed, reviewed and checked before release.

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