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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

3818 reviews
Great resource to make finance visual and fun

I purchased and downloaded many of the money/debt tracking charts. I like that you can color them how you want or purchased color print versions. When I look at our finance board in our room it looks less daunting and more achievable just from these charts. Thank you for these wonderful resources to help us little people stay on track and keep our money strait!

6 Month Emergency Fund Tracking Chart

Visa Tracking Chart
Dana Anderson
Visa Debt

Super cute and specific to my goal to pay off my visa card

really great

I work in the finance industry - helping people who are struggling to pay their bills- these really help in breaking down the payments and giving people the visual sense of accomplishment

Debt Freedom Starter Pack
Sharon Windvogel
Debt Free Starter

I want to say thank you Heidi for these amazing charts. I love them and use it for everything. I have forms on my bathroom wall where i can see my progress. I currently have the Christmas chart and I'm saving for Christmas. I am almost halfway from my desired goal. Our currency in South Africa is in Rands and my current savings is R10 000. I have my daily challenges in order to save small amounts of money and it really adds up. Even saving R5 a day makes a huge difference . Coloring in those charts are fhe fun part because you can see the progress. Saving for a car as well. Have been driving my one for almost 14 years but I want to buy a car cash. Thank you for giving me the ability to do that. Then I have the 2 that I'm paying of debt. Progressing very well. I have shared these charts with my sister and friends and are super excited. Wish I could sent a photo of my charts. I'm super excited. Thank you Heidi. You have taken me to a place where I will be debt free one day. You have given me the tools to do that and I am ever grateful to you. May you be blessed in abundance for what you are doing for us..you are awesome