Tiller
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Tiller automates budget tracking within spreadsheets you control, with pre-built templates for debt snowball and payoff strategies. It syncs transactions daily from your banks and lets you modify formulas to match your specific payoff method, keeping all your data in one place.
Works best for people comfortable with spreadsheets who want full customization and ownership of their financial data. The template approach keeps costs low compared to app-based alternatives and gives you transparency into exactly how your payoff plan works.