Debt Payoff Calculator for Excel & Google Sheets, Flexible Payment Planner and Printables

What could a different payment change? See the numbers.

Your monthly payment plan may not look the same all year. Explore how an extra payment, a reduced payment or a zero-payment month changes one debt's projected balance, interest and payoff date before deciding what is workable for you.

WHY YOU'LL LOVE IT
• Compare realistic scenarios for your situation. Keep the usual payment or override individual months without rebuilding the schedule.
• See the projected path. A visual overview brings together the estimated payoff month, modeled interest and the first 60 months of balances.
• Look beyond the next payment. The full schedule covers up to 120 months, with the next six modeled payments shown on the overview.
• Keep your assumptions beside your records. Printable scenario notes and a payment log give you space to compare your plan with lender statements.

A GOOD FIT FOR
For exploring payment scenarios for one debt with a fixed APR.

30-DAY MONEY-BACK GUARANTEE
Try it with peace of mind. If this product isn't right for you, message MorrowMarginCo through Etsy within 30 days of purchase and we'll issue a full refund, even after you've downloaded it. No file return required.

YOUR DOWNLOAD INCLUDES
• An editable Excel (.xlsx) workbook and a Google Sheets template-copy link, with a visual overview and linked working tabs.
• A 3-page quick-start PDF with your Google Sheets copy link and setup instructions for both options.
• 2 matching print-and-write worksheets in both A4 and US Letter: debt payment log and payoff scenario notes.
• A personal-use licence. This is a digital product; no physical item is shipped.

GET STARTED
Download your files from Etsy in a web browser after payment is confirmed. Open the quick-start PDF on your computer. For Google Sheets, use the included template link to make your own copy. For desktop Excel, unzip the product folder, open the .xlsx file and save a working copy. Enter a starting balance, APR, usual monthly payment and first payment month. Leave an override blank to use the usual payment, or enter a different amount, including zero, to model that month.

SOFTWARE & PRACTICAL DETAILS
Use the spreadsheet in desktop Microsoft Excel on Windows or Mac, or in Google Sheets on a computer. Excel is needed only for the Excel option and is not included; Google Sheets requires a Google account. Apple Numbers, Excel for the web and mobile/tablet spreadsheet editing have not been verified. The PDFs need only a PDF reader and are print-and-write pages, not interactive fillable forms. Phone and tablet mockups show PDF previews. No macros or paid add-ins.
One debt per workbook, fixed APR and monthly compounding, for up to 120 months. No new borrowing, fees or rate changes. Estimates may differ from a lender's daily-interest calculations. This is a scenario tool, not financial advice or a lender payoff quote.

Made by Morrow & Margin for your own household, event or travel group. Share your completed plan with the people involved; do not resell or distribute the blank templates. Preview images show illustrative sample data in the actual layout. Need help? Message MorrowMarginCo on Etsy.