making payments but not seeing progress?
making payments but not seeing progress?
Turn your debt payoff goals into a clear plan
Turn your debt payoff goals into a clear plan
The Debt Payoff Plan helps you turn everything you owe into a personalized path forward, so you can see what to pay next, understand how extra payments could change your debt-free date, and move forward with more confidence.
The Debt Payoff Plan helps you turn everything you owe into a personalized path forward, so you can see what to pay next, understand how extra payments could change your debt-free date, and move forward with more confidence.
BUILT BY hannah rein, CPA.
microsoft excel required.
ONE-TIME PURCHASE. BUILT BY hannah rein, CPA.
requires microsoft excel for desktop.
If paying off debt feels hard, this is probably why:
YOU’RE PAYING, BUT INTEREST KEEPS EATING UP YOUR PROGRESS
You’re making the payments. Maybe even paying extra when you can. But when interest takes a big chunk first, it can feel like your balance is barely moving.
YOU’RE NOT SURE WHICH DEBT SHOULD GET EXTRA MONEY FIRST
Credit cards, student loans, car payments, medical bills, maybe even a mortgage. When everything feels important, it’s hard to know where extra money should go.
YOU’RE TRYING TO PAY OFF DEBT While still living your life
You still have bills, childcare, groceries, savings goals, and a life you want to enjoy.
You don’t need to eat rice and beans until your debt is gone. You need a plan that works in real life.
You don’t need to eat rice and beans until your debt is gone. You need a plan that works in real life.
The Debt Payoff Plan helps you turn your balances, interest rates, and monthly payments into a clear strategy you can follow, so you know what to focus on next and can see how each payment moves you forward.
The Debt Payoff Plan helps you turn your balances, interest rates, and monthly payments into a clear strategy you can follow, so you know what to focus on next and can see how each payment moves you forward.
The Debt Payoff Plan does the math for you, showing which debt to prioritize first, what to pay each month, and when you could be debt-free.
LET THE SPREADSHEET BUILD YOUR PLAN
Wondering what happens if you put a bonus, tax refund, or extra $100/month toward debt? Plug it in and see how much faster you could be debt-free.
PLAY WITH THE “WHAT IFS”
Add up to 25 debts, including balances, interest rates, and required minimum payments
enter what you owe
01. HOW IT WORKS
2. What You'll Need
The included video walks you through setup step-by-step, so you know exactly what to click and where to enter your numbers.
A FEW MINUTES TO WATCH THE TUTORIAL
You’ll need your debt balances, interest rates, and required minimum monthly payments to set it up.
YOUR CURRENT DEBT DETAILS
The Debt Payoff Plan is built in Microsoft Excel and requires the desktop version to work properly.
MICROSOFT EXCEL FOR DESKTOP
Most trackers show what you owe. This helps you decide which debt to focus on next and how extra payments could change when you'll be debt free.
NOT JUST A BALANCE TRACKER
Adjust your debt payoff plan anytime, as your budget changes or new income comes in.
BUILT FOR REAL-LIFE CHANGES
Use it on your own or with a partner to organize your debt payoff plan in one place.
WORKS FOR SOLO OR SHARED DEBT
use it SOLO OR SHARED
3. good to know
The Debt Payoff Plan
take a quick look inside:
WHAT'S INCLUDED
Extra payment scenario testing
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A step-by-step video walkthrough
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A reusable system you can update over time
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The Debt Payoff Plan Microsoft Excel spreadsheet
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Avalanche, Snowball, and Custom debt payoff options
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Supports up to 25 debts
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Visual dashboards and progress trackers
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what others are saying:
“It totally takes the guesswork out of paying off debt!”
This gave me peace of mind that I’m on the right track and helped me see exactly what’s needed to make paying off my student loans happen. As a visual learner, the charts make it easier to understand and stay motivated.
“We paid off two credit cards and our truck.”
Using the Debt Payoff Plan helped my husband and I become more transparent about our expenses, feel more disciplined, and stay focused on our payoff strategy. We’ve increased our emergency fund and paid off our truck plus two credit cards, which is huge for us.
“Your Debt Payoff Plan allowed us to play with different scenarios and confidently make an informed decision.”
We were deciding whether to put $6k toward debt or keep it as a cash cushion. The Debt Payoff Plan helped us compare different scenarios, see the impact on our timeline and interest, and confidently choose the option that felt best for our family.
The debt
payoff plan
The
debt
payoff
plan
The Debt Payoff Plan helps you organize everything you owe, compare your payoff options, and build a clear strategy you can update as life changes. Whether you’re paying extra every month or deciding what to do with a bonus, tax refund, or unexpected cash, this spreadsheet helps you see your next best step.
excel spreadsheet
3 payoff methods
Extra payment scenarios
visual dashboards
video walkthrough
one-time purchase
Requires Microsoft Excel for Desktop.
Due to the digital nature of this product, all sales are final.
Get The Debt Payoff Plan
$27
This *is* for you if:
You want one place to organize your debts, payoff timeline, and progress
You’re trying to decide where extra money should go first
You want to compare Avalanche, Snowball, and Custom payoff methods without doing the math yourself
You’re paying toward debt every month, but don’t feel like you’re making meaningful progress
"Love this tracker! Easy to use and motivating to see debt going down. Highly recommend." —Mercedes F.
"Very visually motivating! We are making great progress with our debt after using this for just a few weeks." —Sarah R.
"This tool is amazing at helping you visualize your debts and see how you can allocate your payments to get out of it faster!" —Yana
"The Debt Payoff Plan has been a game changer!!" —Danica
“This sheet is super intuitive and easy to use. I love all the different tabs with different looks.” —Caroline L.
“This is the best Excel doc I have found to help our family on our debt repayment journey!”
—Missy G.
“Great tool to decide what method works best.” —Taylor H.
“The spreadsheet is well designed and easy to use.” —Burklin N.
“Wow! This actually makes debt payoff fun.” —Bridgette H.
"Love that I can play around with the different types of payoff methods. Highly recommend!" —Kate O.
“It’s very detailed, but simple to use! Definitely recommend.” —Leihla
Yes. You pay once and can use The Debt Payoff Plan as long as you’d like. No subscription or recurring fees.
After purchase, you’ll create your login and get access to The Debt Payoff Plan inside your library. You’ll download the Microsoft Excel file and your PDF instructions which contain a link to watch the step-by-step video walkthrough.
Due to the digital nature of this product, all sales are final.
You’ll need Microsoft Excel for desktop. This product is not designed for Google Sheets, Apple Numbers, or Excel Online.
You can use it for any type of debt, including credit cards, student loans, car loans, medical debt, personal loans, mortgages, and more.
You can track up to 25 different debts, including student loans, credit cards, car loans, mortgages and more. Each can have different interest rates, payment amounts, and timelines.
Yes. You can use it solo or with a partner. There’s also a place to note who each debt belongs to, which can be helpful if you’re managing shared and individual debt together.
Yes. You can run scenarios to see how making extra payments will impact your debt payoff timeline. The Debt Payoff Plan will also show which debt to put extra payments toward based on the payoff method you select.
No. The Debt Payoff Plan does not connect to your bank accounts or automatically pull in transactions. You’ll manually enter your debt details and update your progress.
That’s exactly what the plan helps with. You'll learn how each payoff method works and can compare the payoff methods so you can see how each option may impact your timeline, interest, and motivation.
This Debt Payoff Plan is built to accommodate monthly debt payments only.
Yes. You can enter fixed or variable rate loans. Fixed rate loans mean that the interest rate does not change over the life of the loan. Variable rate loans can have up to two different rates. For example, if you have car loan that starts as a teaser 0% interest rate for the first 12 months, then jumps to be a 12% interest rate for the remainder of the loan.
It's built for USD and U.S. date formats. If you need a different currency, purchase The Debt Payoff Plan, then email [email protected] and we’ll provide the correct currency version.
No. The Debt Payoff Plan is an educational tool designed to help you organize your debts, compare payoff methods, and better understand your options. It does not provide personalized financial, legal, or tax advice.
The
DEBT PAYOFF PLAN
Requires Microsoft Excel for Desktop.
get THE DEBT PAYOFF PLAN
get THE DEBT PAYOFF PLAN
$27
