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Credit Card Payoff Calculator for Google Sheets and Excel, Debt Interest Spreadsheet, Payment Planner

NowPrice:$2.95

Original Price: $5.90

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Highlights

  • Designed by MahoganySheets
  • Digital download
  • Digital file type(s): 1 PDF, 1 other file

Credit Card Payoff Calculator for Google Sheets and Excel. This one-tab spreadsheet shows how long 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 shows the months to pay off and the total interest for both payments side by side, so you can see what paying more than the minimum does. Change any number and the results and charts update straight away. 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 it takes to pay off your card on the minimum payment
- How many months it takes when you pay more each month
- The total interest for each, side by side
- The monthly payment needed to clear your balance in 12 to 60 months
- What changes when you try a different balance, interest rate or payment
- Charts that compare your payoff time, interest and 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 planning their debt repayment and deciding how much extra to pay each month
- Anyone who would rather not write formulas

💻 WHAT YOU RECEIVE
- 1 PDF with your access link for the Google Sheets version
- 1 Excel file (.xlsx)
- An Instructions tab inside the workbook
- The video tutorial: https://www.youtube.com/watch?v=jGfDjVKMmcw
- Light mode design
This is an instant digital download. No physical item is shipped.

⚙️ COMPATIBILITY
- Google Sheets (free or paid version)
- Microsoft Excel desktop app on Windows or Mac
- Excel Online may not support every feature

✏️ EASY TO EDIT
Type over the sample numbers with your own, and change the currency symbol and colours to suit you. 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 with the snowball or avalanche method, 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.
- Do I need to know formulas? No. Type in your four numbers and the months, interest and charts fill in.
- How do I get it? Download the files from your Etsy purchases in a web browser. Open the Excel file, or follow the link in the PDF for Google Sheets.

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

People also call this a credit card payoff spreadsheet, credit card debt calculator, credit card interest calculator, debt payoff calculator or debt reduction calculator.

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Reviews for this item

5.0

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(1 reviews)

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Alayna Apr 19, 2026

Looking very interesting going to start using

Alayna Apr 19, 2026

Response from Brett

Hi Alayna, thanks so much for your review 😊 Excited for you to get started - there’s a YouTube tutorial available if you’d like a quick walkthrough!

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