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FREE charts for Baby Steps 0, 1 & 2

You'll notice that not all the charts on Debt Free Charts are free. I want to always have free charts for those just starting out and slogging through the hard beginning. Because make no mistake, it's not easy, but it is worth it!

If you've read Dave Ramsey's books on getting out of debt, he breaks down the process into Baby Steps. Baby Step 0 is getting current on all your bills, Baby Step 1 is saving up your first Emergency Fund, and Baby Step 2 is paying off all your debt (except the mortgage). So the charts for those steps, BS0. BS1 and BS2, will always be free. These include the Get Current, Starter Emergency Fund, all the Credit Card charts, Car Loan, tax, medical and dental bills, and even some amazing game style charts like Debt Free Land, Game of Loans, and Debtris.

Charts for steps further along the journey are super affordable. If you are saving up for a vacation or motorcycle or a downpayment for a house, a few dollars to help you stay on track and motivate you to get there faster is a no-brainer.

Sales of the charts are what makes it possible to give away so many free ones. Without the income from the paid charts, this website couldn't exist without being a drain on our personal finances.

Still, I hope that this structure makes it possible for you to get to your debt freedom. I am happy to provide visual motivation to help you along your way.



 Find these FREE charts and more here


  • This is so great! It was totally intuitive to me that the charts that are free are the getting-out-of-debt charts and the ones that cost a little are the saving up for next goals charts. I love the kindness in this, and am excited to get to come back for the next goals charts sometime soon! :)

  • I heard about your website from The Budget Mom. For the people who are more “visual” for staying on track, this is awesome. Way to go Heidi…and thank you!!!!!! So creative. I can’t wait to get started.

    Jill Johnson
  • Nadjia – Email support@debtfreecharts and I’ll resend the download links.

    Heidi Nash - Debt Free Charts
  • This is a great page – way to go. I will be directing my financial coaching clients to your page for visuals!! Thanks for this wonderful resource!

    Larry Duffany
  • Hey, how do I re-download charts that I have previously downloaded and are listed in my account? I got a new computer and can no longer download them.

    Nadjia Jones

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Let customers speak for us

3612 reviews
IRS Tax Bill Tracking Chart
Susan Carton-Lopez
Love it!

My husband and I are just getting started on the journey of paying off our debts with the Ramsey baby steps. It’s a daunting process, but the Game of Loans debt payoff tracker makes it almost fun and helps keep us motivated to reach our goals. We’re also using the spending tracker because, let’s face it, not tracking our spending is how we got into this mess. Thank you so much for making these!

It’s nice and it helps me

I am from Germany and I cannot write English but I like it and love it😂

Game of Loans Tracking Chart

Great tracker!

Great tracker!

Debt Free Land Tracking Chart