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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

3789 reviews
motivational charts

I love this online store, I purchased free and paid charts. I am in love with them.

IRS Tax tracker

I love it!! It keeps me on track to pay off this debt. I use other forms from this company and it is so nice to see the progress and to celebrate completion of debts!!

I love these charts for training my debt snowball!

Perfect if you like visual progress

I like this simple tracking sheet to help us see how much we are paying off each month. It’s more exciting coloring in another line and visually seeing progress vs just numbers. How far you’ve come vs. how far left you have to go.

The charts are easy to use and a great visual way to track your progress. Plus it allows for ups and downs. After all, life happens.