The Debt Payoff Planner | The Planned Pretty

Sale prices through Oct 31 · Yours for life

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Debt Payoff Planner

Watch your balances actually drop.

Know what to pay first. See what extra payments can do. And finally watch yourself make real progress toward debt free.

Build a payoff plan around your debt, your money and your timeline.

Instant access. A Google Sheets template. Yours for life.

★★★★★ Trusted by 5,600+ beginners

Get instant access →Instant access · yours for life

This is for you if…

You're ready to see real progress on your debt.

✓You want to know which debt to focus on first
✓You want to see what happens when you pay extra
✓You want a payoff plan based on your actual balances
✓You want to watch your total debt go down

The switch

Before, and after.

Without a payoff plan

You make payments without seeing much progress
Extra money gets spread across different debts
You're not sure which balance should come first
You know what you owe, but not when you'll be done

With your debt planned

You know exactly which debt you're targeting
Extra payments have a specific job
You can see your balances getting smaller
You have a plan toward your debt-free date

Making payments is one thing. Having a plan for which debt gets your money first is what turns those payments into visible progress.

Here's how it works

Pick your plan. Watch the balance drop.

✓ Debt snowball. Pay off your smallest balance first for quick wins.
✓ Debt avalanche. Hit your highest interest first to pay the least overall.
✓ Pick a date. Enter the months you want to be debt free, and it shows you what it takes.
✓ See every card and balance in one place, and watch them drop
✓ A Google Sheets template. Works on phone, tablet or laptop

Real customers

Balances going down.

Real comments from real customers. Nothing here is written by me.

Picture this

Picture yourself six months from now. The balance you're looking at today is smaller. Maybe one card is already gone. You know exactly which debt you're working on next, and every extra payment has a purpose. You're not just paying debt anymore. You're watching yourself get out of it.

Start paying it down

$17

One payment. Yours for life, with free updates.

One timeNot monthly No rebillsEver Free updatesForever

Start Paying It Down → $17 one time, or 4 payments with Klarna or Afterpay

Klarna or Afterpay splits the same $17 into 4 payments. Not a subscription.

I email and text it to you right after you pay. Check your spam if you don't see it.

Quick questions

Before you start.

I'm terrible at spreadsheets.

You don't need to be good at spreadsheets. Everything is already built. You enter your cards and balances, and the math is done for you.

Is this a subscription?

No. $17 one time and it's yours for life. No monthly fee, no rebills. The only way you pay more than once is if you pick Klarna or Afterpay, and that just splits the same $17 into 4 payments.

Is this Excel?

No, it's a Google Sheets template. Google Sheets is free, you just need a Google account, and it works on your phone, tablet and laptop.

How do I get it after I pay?

I email it and text it to you right after you pay, so check both. If you don't see the email, check your spam folder.

How long does setup take?

A few minutes. You enter each card, the balance and the interest rate, and the planner does the rest.

Will this improve my credit score?

This is a debt payoff planning tool, not a credit repair service, so it can't promise a specific score increase. It helps you organize your balances, compare payoff strategies, and build a plan for paying down your debt.

Are there refunds?

Because this is a digital product, all sales are final. Take a minute and be sure it's for you before you start.

Start Paying It Down → $17 one time, or 4 payments · yours for life

One time. Not monthly. Free updates for life.

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Or get everything

Get the whole system for $27.

This planner is $17. The full bundle is $27 and adds the Budget by Paycheck planner, the savings goal tracker, and every guide and calculator. If you're paying down debt, the budget is how you find the money to do it.

See the full bundle →