Debt Payoff Planner for Google Sheets and Excel

Automatically track all your debt in a flexible template with a custom plan to pay it off.

Tiller Debt Payoff and Snowball Planner
“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 Alexander
Google Review February 29, 2024

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

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See every debt in one view

The Debt Payoff Planner provides a focused view of your credit card balances, loans, and liabilities, so you know what you owe and can easily plan to pay it off.

Choose your payoff method

Model different payoff scenarios using preconfigured debt snowball and avalanche strategies, or create your own custom approach.

Visualize progress with interactive charts and celebrate milestones along your payoff journey.

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Create the best payoff plan for your unique goals

Rank your debts in the order you want to pay them off. then adjust variables like interest rates to see your recommended monthly payments and payoff date.

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.


Part of 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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Tiller is a complete personal finance service based in your own private spreadsheets

Also included with Tiller:

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Build your own custom financial dashboard powered by Tiller

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With Q&A help you get up to speed fast and do more with Tiller

Debt Payoff Planner FAQ

The Debt Payoff Planner is part of the Tiller Foundation Template, which is included with your Tiller subscription. If you don’t have a Tiller subscription, you can try the Debt Planner completely free for 30 days.

If you cancel your trial, you keep the template along with any other templates and data you’ve installed. Your card isn’t charged until the end of your trial, and you can easily cancel anytime.

Ask questions and give feedback about the Debt Payoff Planner here in the Tiller Community.

You can also get help from Tiller’s support team with the chat widget when you’re logged into the Tiller Console.

Combining the Debt Payoff Planner with the budgeting tools in the Tiller Foundation Template will give you a master plan for transforming your financial life.  However, a budget isn’t required to use the Debt Planner template. In fact, you don’t even need to categorize transactions to use the Debt Planner spreadsheet.

The Debt Payoff Planner can model the debt snowball method, avalanche, or a custom ranking payoff strategy for Up to 25 accounts for up to 30 years. 

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“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
Google Marketplace Review
January 3, 2024
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“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 “
Brent Walker
Google Marketplace Review
January 2, 2024
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“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
Google Marketplace Review
December 24, 2023

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