Debt Payoff Planner Template for Google Sheets and Excel

The Debt Payoff Planner is a template for Google Sheets and Microsoft Excel. It shows every credit card, loan, and other debt in one view. Tiller adds your debt balances to the template every day, so your payoff plan starts from your current balances.

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  • “I’ve been using Tiller for nearly 3 years now, and it is hands-down best, most flexible solution for my home financial management. You can use the Foundation Template as is and keep it simple, or choose from an endless variety of add-ons and options to customize.”
    Lisa Lea
    ★★★★★ Lisa Lea Alexander
    Google Review February 29, 2024

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Tiller makes tracking debt across multiple accounts effortless, by connecting all your banks to your spreadsheets and automatically importing your daily debt and loan balances, along with your income, spending, and transfers.

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list of debt accounts

See every debt in one view

The planner lists your credit card balances, loans, and other liabilities together. You see what you owe in total and what you owe on each debt.

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Choose snowball, avalanche, or your own payoff order

The planner includes preconfigured debt snowball and avalanche methods. Read how the debt snowball method works in our debt snowball spreadsheet guide. If you prefer a different order, create your own custom approach.

Watch your progress as balances update

Interactive charts show your progress as your balances change. You can celebrate each milestone along your payoff journey.

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debt payoff summary
list of current and starting balances plus debt payoff details

See your payoff date and monthly payment

After you rank your debts, you can change variables such as interest rates. The planner then calculates your recommended monthly payments and your payoff date.

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TILLER CUSTOMER STORY

Through a series of viral TikTok videos and national media profiles, writer and producer Jamie Feldman is boldly sharing her struggle with $18,000 in credit card debt.

She’s also sharing her steady progress toward paying it off.

In a recent Time essay, Jamie described the turning point in her journey: confiding in a close friend. “I was convinced she’d see me differently,” Jamie writes. Instead, “she taught me how to stop avoiding the problem.” And she taught Jamie how to use Tiller.

Jamie’s life has transformed since then.

Using Tiller’s spreadsheet budgets, Jamie has taken control of her finances. And she continues to practice accountability by documenting her journey– often hilariously – on TikTok, her newsletter, and podcast.

She’s more intentional with her spending and belongs to a community of people who see beyond her debt.

In a recent NPR profile, Jamie says her goal is not only to be debt-free but also to avoid the negative feeling of overspending.

With the right tools, like Tiller’s spreadsheets, and a supportive community, it’s possible to make real progress away from stress and toward debt freedom.

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Add to the Tiller Foundation Template

The Foundation Template keeps your finances organized and ready to review at a glance. It includes flexible, prebuilt sheets for easily tracking your spending, net worth, budgets, and debt payoff goals.

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Debt Payoff Planner FAQ

First, start a free trial of Tiller. Then add your debt accounts and create your first spreadsheet. Install the template for Google Sheets from the Tiller Console, or for Excel from the Tiller add-in sidebar.

The Debt Payoff Planner is included with your Tiller subscription. Without a subscription, you can try the planner free for 30 days.

If you cancel your trial, you keep the template, along with any other templates and data you’ve installed. Tiller doesn’t charge your card until the trial ends. You can cancel anytime.

Ask questions or give feedback through the chat tool in the Tiller Console. You can also write to support@tiller.com.

No. You don’t need a budget to use the planner, and you don’t need to categorize transactions either. If you want a budget too, the Foundation Template includes budgeting tools you can use alongside the planner.

The planner models up to 25 accounts for up to 30 years. It includes the debt snowball method, the avalanche method, and a custom ranking you set yourself.

  • “Tiller has been a great tool for managing our family’s finances. Having data available in a Google Sheet provides a good base for creating custom reports and tools and some of the community developed extensions, especially the budgeting tools, makes planning much easier.”
    Scott Burns

    Scott Burns
    Google Marketplace Review
    January 3, 2024
  • “I used Mint for 7 years. I wish I had switched to Tiller much sooner. I have my own Excel budget I incorporated into Mint. It is customized to my needs, and I was worried about porting it to a new program. With Tiller I was able to port it over in 2 hours. I am amazed at the difference in the time savings required to maintain my accounts between Tiller and Mint “
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    Brent Walker
    Google Marketplace Review
    January 2, 2024
  • “Tiller helps me understand my finances with two valuable contributions: getting data from many banks into a spreadsheet, and a community of people enthusiastic for helping each other make better financial decisions with spreadsheets. Having all my data in a highly flexible system I control is much more to my liking than Mint and CountAbout.”
    Tom Brown
    Tom Brown
    Google Marketplace Review
    December 24, 2023
4.8 star rating - September 2024

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