Report this item to Etsy

Credit Card Payoff Calculator for Excel, Dark Mode Debt Spreadsheet, Minimum Payment Interest Planner

NowPrice:$2.95

Original Price: $5.90

50% off

•

Sale ends in 9:33:43

You can only make an offer when buying a single item

Highlights

Credit Card Payoff Calculator for Microsoft Excel, in dark mode. This one-tab spreadsheet shows how many months it will take to pay off a credit card and how much interest you will pay, on your minimum payment and on a higher payment you choose.

Type in four numbers: what you owe, your interest rate (APR), your minimum payment and the amount you plan to pay each month. The calculator puts the months to pay off and the total interest for both payments side by side, so you can see how much a faster paydown saves. Change any number and the results and charts update straight away. The black background with soft tan and blue charts is easy on the eyes, and there is no bank login and nothing to connect.

🎥 WATCH THE TUTORIAL
See the calculator in use before you buy: https://www.youtube.com/watch?v=jGfDjVKMmcw

✅ WHAT YOU CAN WORK OUT
- How many months your card takes to pay off on the minimum payment
- How many months it takes when you pay more each month
- The total debt interest on each payment, side by side
- The monthly payment needed to clear your credit card balance in 12 to 60 months
- What changes when you try a different balance, interest rate or payment
- Charts that compare payoff time, interest and your payment options

📂 1 TAB INCLUDED (plus an Instructions tab)
1. Credit Card Payoff Calculator: four boxes for your numbers, four result boxes (months and interest on the minimum payment and on your proposed payment), a table of payment options from 12 to 60 months, and four charts

👤 WHO IT IS FOR
- Anyone paying only the minimum who wants to know how long that will take
- People making a debt payoff plan and deciding how much extra to pay each month
- Excel users who prefer dark mode and want simple debt management without formulas or an app

💻 WHAT YOU RECEIVE
- 1 Excel file (.xlsx) in a dark mode design
- An Instructions tab inside the workbook
- The video tutorial: https://www.youtube.com/watch?v=jGfDjVKMmcw
This is an instant digital download. No physical item is shipped.

⚙️ COMPATIBILITY
- Microsoft Excel desktop app on Windows or Mac
- Excel Online may not support every feature
- This listing has no Google Sheets file. The light version of this calculator includes one

✏️ EASY TO EDIT
Type over the sample numbers with your own and change the currency symbol to suit your country. Formulas are protected by default so nothing breaks by accident, and you can unlock them if you want to change more. Need a custom version? Message me and I will quote it for you.

❓ QUICK ANSWERS
- Does it track several cards or log payments? No. It is a calculator for one card at a time. Type in another card's numbers to check that card. For several debts, see the Debt Payoff Tracker in this shop.
- Why is the result different from my card statement? The calculator keeps your minimum payment the same every month. Card companies usually lower the minimum as your balance falls, so a statement can show a longer payoff time.
- Does it work for a loan? Yes, for a loan with a fixed interest rate. Type in what you owe, the rate, your monthly payment and a higher payment to compare the two.
- Is there a light or Google Sheets version? Yes. The same calculator in light mode, for Google Sheets and Excel, is in this shop under Credit Card Payoff Calculator.
- How do I get it? Download the file from your Etsy purchases in a web browser and open it in Excel.

This calculator is a planning tool and is not financial advice.

People also call this a credit card payoff tracker, credit card debt calculator, debt payoff sheet, debt free planner, Excel dark mode template or debt repayment calculator.

Instant Download

Your files will be available to download once payment is confirmed.  Here's how.

Instant download items don’t accept returns, exchanges or cancellations. Please contact the seller about any problems with your order.

Etsy Purchase Protection
Shop confidently on Etsy knowing if something goes wrong with an order, we've got your back for all eligible purchases — see program terms

Be the first to review this item

No reviews yet. See what customers say about other items from this shop.

You may also like

Shoppers with similar taste loved these

Show more
Show more

Explore related searches

Debt Payoff Tracker Poster

Debt Payoff Financial Help

Abby Lawson Debt

Paycheck Estimator

Listed on Oct 13, 2026
3 favorites
Homepage Paper & Party Supplies Paper Stationery Design & Templates Templates Personal Finance Templates