Ultimate Notion Life Planner
Want to 5x your personal productivity? Organize your daily tasks, plans, goals, habits, journal, learning, bookmarks, reading, and more—all in one place!
Increase Personal Productivity
Ultimate Notion Finance Dashboard
Hate spreadsheets? Make your financial life 3x easier with integrated templates for tracking your budget, expenses, debts, investments, subscriptions, and financial goals.
Organize Your Finances
Notion Freelancer & Client Portal
Don’t like going back and forth with emails and Slack messages? Use this client portal template to work together on projects, tasks, meetings, payments, reminders, and more.
Make Client Work EasierMay 28, 2025
If you use credit cards and want to stay on top of your debt, a Notion debt payoff tracker or credit card tracker can help.
With the right setup, you can track credit card spending, payments, and balances in one easy-to-use system.
In this post, you’ll learn how to use Notion to:
If you use more than one credit card, tracking each one in Notion helps you stay organized and pay down debt faster. In the Notion Finance Template, head over to the “Account Balance Tracker.”
Here’s how to set up your account entries for better debt managements:
Create a new entry for each card you use, such as:
In the “Account Type” field, label each one as a debt account. This keeps your credit cards separate from checking, savings, or cash and makes your debt payoff tracking more accurate.
Additional: Use tags to organize your credit cards by purpose:
If the card is new or unused, enter $0.
If there’s existing debt, enter the outstanding balance as a negative number (e.g., -500 for $500 owed).
The Notion bank account tracker will auto-update your ending balance based on your expense and payment entries. When you:
This gives you a real-time view of how much you owe, helping you prioritize and manage which credit card to pay off first.
When you pay off credit card debt using a checking, savings, or debit account, you want your Notion system to reflect the transaction properly—reducing your outstanding card amount while also decreasing your bank account balance.
Here’s how to do it in the finance tracker in Notion:
In the Account Balance Tracker, create entries for the accounts you use to pay off debt, e.g.
Tag each one as Checking, Savings, or Debit so it’s easier to filter or group later.
Input the current balance of each bank account as a positive number.
Example: If your Bank of America account has $10,000, enter 10,000 as the starting balance.
Head to the Income & Expense Tracker (also known as your spending tracker) to log the transaction.
Let’s say your Chase Credit Card has a balance of -$500. You're paying from Bank of America (currently at $10,000)
Enter:
This shows that cash is moving out of your bank and going toward credit card payoff.
Return to the Account Balance Tracker:
This method helps you track credit card payments in Notion, see how debt payoff affects your cash accounts, and keep your entire financial picture accurate and up-to-date.
If you use your credit card for everyday expenses—like groceries, gas, or subscriptions—you’ll want those charges to show up and increase in your credit card debt .
This helps you track how much you’re spending and how much debt you're adding.
Here’s how to log daily credit card spending in the Notion personal finance template:
Go to the Spending Tracker template.
Let’s say you bought a subscription for $40 using your American Express Credit Card, which already has a balance of -$100.
Fill out the entry like this:
By entering this transaction, your unpaid balance increases from -$100 to -$140 (more debt)
Head back to the Account Balance Tracker:
Sometimes you use your credit card for purchases and pay it off within the same month—maybe even in the same week or pay period.
Here’s how to track it in the Notion Financial Planner Template:
You buy groceries for $150 using a credit card (which currently has a balance of $0).
A few days later, you pay off that $150 using your Checking Account, which has a starting balance of $5,000.
Go to the Income & Expense Tracker and add a new entry:
This increases your current card balance (i.e., more debt) from $0 to -150.
Add a second entry to show that you’ve paid off the card using a bank account:
This reduces your credit card debt and updates your bank account balance.
Go to your Account Balance Tracker in Notion. Your total owed will be $0 once it’s fully paid off. Your checking account will have an End Balance of $4,850 down from $5,000.
If you return an item or cancel a service purchased with a credit card—like clothes, electronics, or subscriptions—you’ll want to track the refund properly in Notion.
Recording refunds helps you adjust your credit card debt balance and keep your spending categories accurate in your debt payoff system.
Here’s how to log credit card refunds using the Notion Finance Template:
You bought shoes for $80 using your Credit Card Y. Later, you returned them, and the store refunded the amount back to your credit card.
Go to the Income & Expense Tracker and enter the original expense:
This increases your credit card debt balance by $80:
When the refund posts to your card, create a new entry:
This reduces your overall balance and adjusts your debt accordingly:
A Notion Credit Card Tracker (also called a Credit Card Organizer, Debt Tracker or Finance Tracker) is a customizable Notion template to help you track your credit card spending, balances, payments, and payoff progress—all in one place.
It allows you to track your unpaid debts, log every payment you make, and see your debt go down automatically. You can also record daily spending like groceries, gas, or subscriptions, while keeping everything organized by card.
Absolutely. In this free guide, we've explained how you can create a 'Loan Tracker Template' to track all kinds of debts, including structured borowwing such as student loans, car loans, mortgages, installment plans, etc.
Yes. To track credit card interest, add a monthly entry in your Income & Expense Tracker with:
This will increase your credit card balance and give you a clear record of how much you’re paying in interest over time. You can also tag these entries to analyze interest trends or include them in your debt payoff strategy.
To track partial payments toward a credit card balance in all-in-one finance template for Notion, simply log the amount you paid—even if it’s not the full balance—in the Income & Expense Tracker.
For example:
This will reduce your credit card balance but still show the remaining debt.
To view which credit card was used for each purchase in your Notion spending tracker, follow these simple steps in the Income & Expense Tracker:
Go to your Spending Tracker (also called Income & Expense Tracker).
In the top right of the database, click on the 'Filter' settings.
Set a filter like this: Filter by: Account (Out). This lets you view spending made only with your credit cards (e.g., Chase, Amex, Citibank).
Next, click on the Group option: Group by: Account (Out). This will organize all your expenses by the credit card or account used.
In the Ultimate Notion Finance Template, we've built a handy Recurring Payment Tracker designed specifically for managing credit card due dates and payments.
Here’s how it works:
To monitor your credit utilization (how much of your available credit you’re using), just add two columns in your Account Balance Tracker:
You can use Notion’s built-in formulas to automatically calculate this for each card. Keeping utilization below 30% is generally recommended for good credit score health.
Master your personal finances like never before. Track expenses, budgets, subscriptions, savings, investment and more. Simply add a record, and the template will handle the rest.
Preview Template%20removebcg.png)
.png)
.png)
.png)
.png)
