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Make Client Work EasierMay 12, 2025
You're in your 30s with a full-time job, a mortgage, some credit card debt, a car loan, and lingering student loans. You’re determined to be debt-free ASAP—and you want a smarter way to track your debt payoff progress than boring old spreadsheets.
The Problem
You’re juggling multiple loan due dates and can’t keep track of all the interest rates.
You want to figure out which debts to prioritize.
You’re tired of logging into five different apps just to see how much you owe.
Your spreadsheet feels messy, overwhelming, and never up to date.
The Solution
Create a 'personal finance system' that can:
To see what the Notion personal finance tracker template looks like, watch the video below:
If you're tracking debt payoff or loan repayments, it's a good idea to list everything you owe.
First of all, all loans are debts, but not all debts are loans
Loans are typically formal and structured borrowing from lenders, involving contracts and defined payment terms.
Debts include loans, but also refer to any other unpaid financial obligations, such as outstanding bills or balances.
A loan tracker is a system that helps you monitor every loan you owe—whether it’s a car loan, mortgage, student loan, or personal loan.
Set up a new database where each entry represents a single loan—not the entire debt category.
Include key properties like:
💡Note: automated finance calculation is done-for-you in the Notion Finance Dashboard
With this structure in place, you’ll have a powerful, dynamic tool that tracks every detail and keeps you motivated on your debt payoff journey.
Once you’ve created your loan tracker database, the next step is to set up your current debt account balances. This step gives you a clear financial baseline—helping you track progress, calculate net worth, and see how each payment reduces what you owe.
A debts account balance tracker reflects how much you currently owe across all types of debts—including loans, credit cards, medical bills, and any other unpaid balances.
Each loan or debt should have its own balance, and these balances should update over time as you make payments.
Create a new database or summary section (can be a gallery, list, or linked view) called “Debts Balance Overview” or similar.
For each debt or loan, include properties like:
To get a full financial picture, it’s crucial to connect your debts with your Net Worth Tracker.
After all, your net worth isn’t just what you own—it’s also what you owe. By linking your Debt Balance Tracker to your Net Worth Tracker, you’ll always see your real financial position in one place.
Your net worth = total assets – total liabilities (aka your debts).
By automatically including your current outstanding balances in your net worth calculations, you’ll be able to:
P.s.: Linking and syncing multiple databases in Notion can be tedious and time-consuming. If you’d rather skip the manual setup and jump straight into tracking your finances with a ready-to-use system, grab our Ultimate Notion Finance Template
To accurately track your debt payoff progress in real time, you’ll need to set up a Transaction Database—often called an Expense Tracker, Spending Tracker, Income/Expense Tracker. This is where you log every payment you make toward your debts, month by month.
With the right setup, each transaction entry doesn’t just record your spending—it also automatically updates your debt balances, reduces what you owe, and moves your progress bar forward without you having to manually adjust anything.
A Notion Spending Tracker is a centralized database that lets you log and manage every financial transaction—from daily expenses to debt payments and income deposits.
It’s more than just a list of what you spent—it's the control center of your personal finance system.
With the right setup, it can track:
Create a Notion database called something like “Income & Expense Tracker” or “Transactions”.
Each entry should represent a single financial movement—like a car loan payment or a credit card payoff.
Here are the key properties to include:
When you link this transaction database with your Loan Tracker or Debt Account Balance Tracker, you can:
Let’s say you just applied an auto loan for Toyota Camry. In the Loan Tracker, add a new item called “Toyota Camry (Auto Loan).
Head over to the Income & Expense Tracker and add a new expense entry each time you make a payment:
If you’ve synced the expense databases appropriately—like the one we set up in our Notion Finance Template—this step should automatically update everything for you.
Head over to the Loan Tracker, your balance should update automatically:
Each time you add a new loan item, you should also record it as a debt account in the Account Tracker.
Why do you need two separate databases?
Here's a setup example :
After you've logged a loan payment as an expense (as shown in the previous step), you can go back and update the account out/in and amount paid in the Expense Tracker:
Select the account you used to pay off the Toyota loan. Notice the changes:
This shows how both accounts update automatically to reflect the payment and keep your records accurate.
Yes, with customized template setup, Notion can automatically update your remaining debt balance each time you log a payment. By linking your Expense Tracker with your Debt Account Balance Tracker using relation and rollup properties, any payment you enter (e.g., toward a student loan or credit card) will deduct from your starting balance and update your progress bar—no manual calculations needed.
A loan tracker in Notion focuses on structured, formal loans—like auto loans, student loans, and mortgages. It typically tracks terms like start date, tenure, interest rate, and original loan amount. A debt tracker, on the other hand, includes all types of financial obligations—including informal debts, unpaid bills, credit card balances, or family loans. It's broader and designed to help you visualize all outstanding liabilities.
Yes. The Ultimate Notion Finance Template by Clarity Mastery offers a fully linked system that includes debt payoff tracking, loan details, expense tracking, account balances, and even net worth overview—all pre-configured for working adults managing multiple types of debt.
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.
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