Medical Debt Payoff Planner

A medical bill is not one number — it is three: what was billed, what insurance adjusted away, and what you actually owe. Pay the wrong one and you overpay; lose track of the pile and a paid bill resurfaces in collections. This planner tracks every provider bill the way the money really works: billed, adjusted, owed, paid, still owed — then turns the pile into a payoff plan with an order, a monthly rhythm and an end date for every single bill.

What it does for you:
– Start Here — 5-minute setup: the monthly amount you can put toward medical bills and the emergency buffer you refuse to touch.
– Medical Bill Tracker — every bill by provider and service date: Billed, Insurance Adjustment, You Owe (calculated), Paid So Far, Still Owed (calculated) and a status for each — Not Started, In Negotiation, Payment Plan, Paid in Full, In Collections. Totals show how much insurance has already adjusted away (46.9% of billed in the samples — check every bill before you pay it).
– Payoff Plan — balances, monthly payments, Months to Clear per bill and a smallest-first Payoff Order, all calculated; the longest plan tells you the month the last bill dies.
– Expense Log — log plan payments as spending once; the budget reads them automatically.
– Monthly Budget — zero-based budget with medical categories first (Medical Bills, Insurance Premiums, Prescriptions).
– Dashboard — total billed, adjusted away, STILL OWED counting down, and your plan payments vs your monthly bill budget.
– Monthly Summary — 12 months of spending in one view.
– Sample rows pre-filled (8 bills, $11,105 billed → $3,939 still owed) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. A tracking and planning tool — not medical, legal or financial advice; always verify bills with your insurer and provider.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · Medical Bill Tracker · Payoff Plan · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

Instant download. No shipping, no waiting. Message us if you need help setting it up — we answer fast.