Debt Payoff Calculator/Planner
$16.99
A digital Excel tool designed to make your next money decision easier to see.
Buy on Etsy →Purchase and download are handled securely through Etsy.
About this spreadsheet
UNDERSTAND THE FULL COST OF YOUR DEBT
Your balance is only part of the picture. See how much interest you could pay—and the estimated total amount you’ll spend before your debt is paid off.
The Cream City Digital Debt Payoff Planner for Microsoft Excel Desktop brings your balances, payments, and payoff estimates together in one organized workbook. Explore how changing your monthly payment could affect your payoff timeline and future interest.
WHAT YOU CAN DO
• Organize your debts, balances, annual interest rates, and minimum payments.
• Enter the monthly payment you actually plan to make.
• View estimated payoff dates and months remaining.
• See estimated future interest and total payments, including principal.
• Understand how much of your modeled monthly payment goes toward interest versus principal.
• Choose daily compounding or daily simple interest.
• Explore a monthly payment schedule for a selected debt in Payoff Lab.
• Keep an optional manual payment record.
DESIGNED TO BE EASY TO USE
A coordinated navy-and-teal layout, clearly marked input cells, and protected formulas help you enter information confidently. Built-in instructions and an educational notes section explain how to use the planner and understand its estimates.
WHAT’S INCLUDED
One ZIP download containing:
• Debt_Payoff_Planner.xlsx — a blank workbook ready for your information.
• Quick_Start.txt — setup instructions and guidance.
The workbook includes Start Here, My Debts, Dashboard, Payoff Lab, Payment Log, and Learn & Notes, plus a supporting calculations sheet.
GETTING STARTED
Download and extract the ZIP, open the workbook in Microsoft Excel Desktop, and enter your debt information on My Debts. Your dashboard calculates estimates from your entries. No macros are required.
PLEASE READ BEFORE PURCHASING
• Digital download only. No physical item will be shipped.
• Microsoft Excel Desktop is required and is not included.
• Compatibility with Google Sheets, mobile spreadsheet apps, and other spreadsheet software has not been verified.
• The Payment Log is a manual record; it does not automatically update balances or payoff projections.
• Estimates assume your entered payment and APR continue with no new charges. Actual lender calculations, fees, and payment timing may differ.
• This is a planning and educational tool, not financial advice or a guarantee of a payoff date.
Make your next payment with a clearer understanding of what it could mean for your debt.