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NowPrice:€22,88

Original Price: €29,33

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Sale ends on September 9

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Student Loan Repayment Planner | RAP, IDR, PSLF Calculator (Excel, Google Sheets)

NicheToolkits  
5 out of 5 stars

You can only make an offer when buying a single item

Star Seller. This seller consistently earned 5-star reviews, shipped on time, and replied quickly to any messages they received.

Highlights

  • Designed by NicheToolkits
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

Your loan didn't change. The rules did.

On July 1, 2026 the repayment menu was rewritten. SAVE is gone. RAP arrived. Your servicer sent you six acronyms, a 90-day window and no math. This is the math — all seven plans priced from your loans and your income, side by side, before you sign anything.

Know your number before your servicer tells you.

WHAT THE FILE FINDS — from the sample $68,400 balance that ships inside
· RAP asks $191.67 a month. Standard 10-Year asks $822.89. That is $631.22 a month of breathing room — and it costs $44,409.88 more over the life of the loan. Both numbers on one screen, so you choose with your eyes open.
· The RAP band cliff, in dollars: at $60,000 of income your payment is $200.00. At $60,001 it is $250.01. One extra dollar of income costs $600.12 a year, because RAP charges its band rate on your whole income with no phase-in.
· The forgiveness tax bomb: $84,259.56 forgiven triggers an estimated $18,537 tax bill in a single year. New IBR looks cheapest until you count that. This file counts it.

WHAT'S INSIDE — 14 connected tabs
Start Here · Setup · Dashboard · My Loans · Eligibility Check · RAP Calculator · Legacy IDR Calculator · Plan Comparison · Amortization Schedule · Payoff vs Forgiveness · PSLF Tracker · Payment Log · Key Dates · Reference

FOUR COLOUR THEMES INCLUDED — Classic, Light, Dark and Editorial, same engine.

HONEST ENGINEERING
22,038 formulas · recalculated clean · 170/170 independent math checks · every screen in this listing is the real file. Works in Excel AND Google Sheets (one file, both engines — instructions inside). No subscription. Free lifetime updates.

Sample data ships inside so every screen works the moment you open it — clear it in one select-and-delete when you're ready.

PLEASE READ
This is a planning tool, not legal, tax or financial advice. The repayment rules changed on July 1, 2026 and continue to evolve. Confirm every figure with your servicer and at StudentAid.gov before you choose a plan.

WATCH THE FULL WALKTHROUGH ON YOUTUBE: https://youtu.be/aCHLNPQzEKg

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Instant download · personal use · by NicheToolkits

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NicheToolkits
Ryan Smith
NicheToolkits ·

United States

We calculate this number using a recency-weighted average of all ratings, with a rating's value decreasing by half each year to best reflect the current experience. 5.0
·
99 sales
·
5 months on Etsy
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Listed on Jul 27, 2026
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