Coloring Pages & Debt Tracker Printables to Keep You Motivated

By Jackie Beck   Updated 07/20/2022 at 9:00 am

Looking for debt payoff coloring pages and debt tracker printables? We’ve got some great ones for you below. (And they’re all free.)

How these motivate you to reach your debt freedom goals

Debt coloring pages, charts, and debt trackers are about creating a visual of the progress you’re making on reducing your debt. You color in a little bit at a time as you chip away at it. I’ve seen everything from thermometers to some beautiful designs that get colored in over time.

It’s basically coloring your way out of debt :)

What’s great about this is you can hang it someplace where you can see it every day. You can see how far you’ve come in your journey, and get a mini celebration every time you color in more of your picture.

It’s actually a lot of fun — and totally motivating. In short, coloring pages can help motivate you to reach your goals. (Motivation matters!)

Where to get free debt tracker coloring pages & printable trackers

If you’d like to start coloring your way out of debt, you can get free coloring book pages right here.

All you need to do is click on the images of the coloring pages you want below. They’ll automatically download. Then you can open them in a browser, print them out, and follow the instructions below to use them. (If you’re on your phone, you may need to email them to yourself after saving them.)

Debt payoff tracker coloring chartToday I choose debt freedom coloring sheetDebt free coloring page>Debt Freedom mandala coloring pageDebt free mandala coloring pageCredit card debt payoff printableGoodbye credit card debt coloring pageAuto loan visual debt payoff trackerPaid off car debt payoff printable coloring pageStudent loan payoff debt tracker printablePaid off student loan debt repayment coloring sheet

(I’ve also got house payoff coloring sheets for you here if you’d like those.)

How to use the debt payoff coloring pages

A quick note before I go into how to use them: I spent waaay too much time making these, so if you’d like to share them with others please pass along the link to this article and not the pages themselves. (Plus, the instructions are below.)

To use the design once you’ve printed it out, color in shapes based on the amount of debt repaid. (If you like, you can even print them it and include it in your bullet journal.)

Each design has the number of spaces marked on it. The basic formula is: Amount owed divided by number of spaces = the dollar amount each space represents.

For example, the debt payoff trackers all have 72 spaces on their path. If you have $5000 in debt, you divide that by 72 to get $69.44. Then each time you pay down $69.44 worth of debt, you color in one of the spaces until you’ve reached the end!

Some of the designs have a lot more spaces on them, like the “Goodbye credit card debt” coloring page. That one has 604 spaces, including background areas within the frame.

In that case, you can choose how to do it. Sticking with our $5000 in debt example, dividing that by 604 gives about $8.28. So you could color in one space for every $8.28 in debt repaid. Or you can do it by set amount repaid. For example, if you repaid $100 in debt, you’d color in 12 spaces in one go. In that case every 12 spaces = $100 if you owed $5000.

Don’t worry about being 100% exact. It’s ok if you end up with a slightly uneven number at the end. The point is to color and celebrate your progress, which creative debt free charts make easy to do.

Now let’s talk a little bit more about why using coloring pages & debt trackers like these is a good idea.

Why use debt payoff coloring pages?

They’ve always felt motivating, but I got some feedback from an art therapy expert that goes into it in more depth.

Lynn Gail Lieberman, M.Ed. is an Expressive Arts Therapist in the Boston area and in Florida. She’s worked with adults, adolescents and children for over 25 years. Here’s what she has to say about the idea:

Coloring for debt reduction can be a powerful tool to express your feelings and document progress in reducing your debt. Artistic activity can be incredibly therapeutic and creates a calming effect while you are choosing colors schemes, for example. The very act of slowly completing your drawing gives you a visual sense of coloring your way to reducing and eliminating debt. Imagine the sense of joy and relief as your picture is filling up with color.

Art therapy helps people to explore their emotions and cope with stress while having fun. You do not need to have an artistic ability or special talent to take part. Art can make you feel comfortable approaching a subject like debt, which can cause stress and anxiety. What an accomplishment to see your finished picture or design and know your debt is gone!

You can reach her at if you’d like to know more. And if you give these coloring book pages a shot, I’d love to see yours when it’s done!

Free debt tracker coloring pages to keep you motivated

3 thoughts on “Coloring Pages & Debt Tracker Printables to Keep You Motivated

  1. This is exactly what I needed! Can’t wait to get started! I love the concept. Everything about it! It covers all angles of the getting out of debt process for me because I am a visual person! This really shows the dedication of your teachings!

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