Enter or review these records before relying on the summary.
Suggested for your taskFor people organising their own repayment records
Debt Payoff Scenarios Workbook
Compare a repayment plan with what really happened.
Compare snowball, avalanche and your own priority in a fixed monthly model. Keep the projection, real payments and statement balances separate and check its assumptions before using the result.
Excel 2021, Excel 2024 or Microsoft 365 with XMATCH; native compatibility not verified. Spreadsheet software is separate.
- Format
- Excel · .xlsx
- Inside
- 9 worksheets
- Included
- Clean file + example + guide
$7.90USD · one-time priceVAT included where applicable. Other applicable taxes are shown at checkout.Explore the sheets Follow the real example
Check the capacity and fitWho it is for, supplied record limits and software requirements
The everyday problem
Compare a repayment plan with what really happened.
Compare snowball, avalanche and your own priority in a fixed monthly model. Keep the projection, real payments and statement balances separate and check its assumptions before using the result.
Optional guideNeed help getting started?Choose where to begin. All listed files are included.
Add the complete product to your cart whenever you’re ready. Use this guide only if you’d like help choosing what to open first; your choices do not change the product or its price.
Guide step 1 of 4
What would you like to do?
Pick a useful task, or build your own selection.
Which sheets would you explore first?
Choose your starting points. The workbook keeps all its connected sheets and formulas; this does not remove or rebuild worksheets.
Nothing selected yet.
Enter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskEnter or review these records before relying on the summary.
Suggested for your taskWhich file would you open first?
Both files are included. Choose which one you would open first in a desktop spreadsheet application.
Your starting plan.
Your first file or method
Both XLSX files, all 9 connected sheets and the single included guide remain in the complete kit. Your selection identifies where to begin.
Read the complete setup guideThe complete product. Your starting choices do not change its contents or price.
Your choices help you understand the complete product. They do not alter its contents or price.
Both XLSX files, all 9 connected sheets and the single included guide remain in the complete kit. Your selection identifies where to begin.
Read the tasks, contents and file choices
Useful starting tasks
Confirm debts and minimums. Use the included START_HERE.pdf guide to follow one complete task in a disposable example copy.
Choose my own starting points. Explore the contents and select only the parts you would use first.
Contents to explore
- Dashboard: Enter or review these records before relying on the summary.
- Start: Enter or review these records before relying on the summary.
- Settings: Enter or review these records before relying on the summary.
- Debts: Enter or review these records before relying on the summary.
- Strategies: Enter or review these records before relying on the summary.
- Scenarios: Enter or review these records before relying on the summary.
- Projection: Enter or review these records before relying on the summary.
- Payments: Enter or review these records before relying on the summary.
- Statements: Enter or review these records before relying on the summary.
Both files are included. Choose which one you would open first in a desktop spreadsheet application.
Explore the worked example: Fictional records show how the sheets work together. Save a disposable copy before trying a change. debt-payoff-example.xlsx
Start my own working copy: Open the clean workbook after reading the guide. Keep the original and save a copy for your own records. debt-payoff-clean.xlsx
Follow the complete first taskUse the included guide and a disposable example copy.
Your first useful session / Start with the example
Confirm debts and minimums
Follow this one complete task before entering your own records. Keep the blank original and save a working copy.
Confirm debts and minimums
Enter one dated confirmed balance, fixed APR, confirmed monthly minimum and a distinct custom priority per included debt.
Inspect DebtsChoose one scenario
Settings selects scenario 1, 2 or 3. Each scenario defines a monthly budget, strategy and horizon of at most 120 months.
Inspect ScenariosKeep projections and actuals separate
Payments and Statements hold real records. Projection estimates full calendar months after the review month and shows when the horizon or budget is insufficient.
Inspect Projection
EVERY WORKSHEET / ACTUAL EXAMPLE FILE
See what you enter.
Understand what updates.
Inspect all 9 sheets. These are images of the delivered example, with fictional records. Open an image to read its full detail.
Actual example worksheet · Preview range A1:E29. Image only; entries are made in your downloaded workbook.
Dashboard
Dashboard: Labelled results and source warnings.
- You enter
- Review linked input records
- Calculated or supplied reference
- Labelled results and source warnings
Actual example worksheet · Preview range A1:D40. Image only; entries are made in your downloaded workbook.
Start
Start: First useful task.
- You enter
- Read the route through the file
- Calculated or supplied reference
- First useful task
Actual example worksheet · Preview range A1:D27. Image only; entries are made in your downloaded workbook.
Settings
Settings: Chosen settings.
- You enter
- Review date, period and chosen assumptions
- Calculated or supplied reference
- Chosen settings
Actual example worksheet · Preview range A1:M14. Image only; entries are made in your downloaded workbook.
Debts
Debts: 12 supplied input rows.
- You enter
- Record ID, Debt / lender reference, Confirmed starting balance, Fixed APR, Confirmed monthly minimum, Custom priority, Balance confirmed on, Include, Reference / short note
- Calculated or supplied reference
- Balance for projection, Latest balance date, Balance state
Actual example worksheet · Preview range A1:G19. Image only; entries are made in your downloaded workbook.
Strategies
Strategies: Calculated review of linked records.
- You enter
- Review linked input records
- Calculated or supplied reference
- Calculated review of linked records
Actual example worksheet · Preview range A1:G10. Image only; entries are made in your downloaded workbook.
Scenarios
Scenarios: 3 supplied input rows.
- You enter
- Record ID, Name, Strategy, Monthly total budget, Months to project, Reference / short note
- Calculated or supplied reference
- Input check
Actual example worksheet · Preview range A1:K19. Image only; entries are made in your downloaded workbook.
Projection
Projection: Calculated review of linked records.
- You enter
- Review linked input records
- Calculated or supplied reference
- Calculated review of linked records
Actual example worksheet · Preview range A1:I14. Image only; entries are made in your downloaded workbook.
Payments
Payments: 1000 supplied input rows.
- You enter
- Record ID, Debt ID, Paid on, Total paid, Principal part, Interest part, Fees part, Reference / short note
- Calculated or supplied reference
- Input check
Actual example worksheet · Preview range A1:I14. Image only; entries are made in your downloaded workbook.
Statements
Statements: 300 supplied input rows.
- You enter
- Record ID, Debt ID, Statement date, Closing balance, Actual interest on statement, Reference / short note
- Calculated or supplied reference
- Latest by review, Date contribution
Follow the supplied fictional exampleRead the inputs and the result together
From the supplied fictional example
The supplied fictional example
At a confirmed $1,000 balance and fixed 12% APR, the first monthly estimate adds $10 interest. A $100 payment leaves $910. Actual payments and statements remain separate from that forecast.
- Confirmed balance
- USD 1,000
- Fixed APR
- 12%
- Modelled payment
- USD 100
- First month interest estimate
- USD 10
- First month closing balance
- USD 910
FOLLOW THE ACTUAL EXAMPLE FILE
The supplied fictional example
Fictional records from the supplied example XLSX. Follow the same references through the sheets, then start your own clean copy.
The records behind the result
Confirmed balance USD 1,000
Fixed APR 12%
Modelled payment USD 100
At a confirmed $1,000 balance and fixed 12% APR, the first monthly estimate adds $10 interest. A $100 payment leaves $910. Actual payments and statements remain separate from that forecast.
- First month interest estimate
- USD 10
- First month closing balance
- USD 910
This is an explanation of the downloadable workbook, not an online editor. Its complete clean and worked files are included. Save a working copy. Manual entry, with no automatic sync or external connections.
Inspect the actual worksheetsFrom setup to a regular review
How you use it.
Open the 3-step setup and review routineInputs, calculations and the decision each step supports
- 01
Confirm debts and minimums
You enterEnter one dated confirmed balance, fixed APR, confirmed monthly minimum and a distinct custom priority per included debt.
CalculatedThe linked records and input checks use the same stable IDs and your chosen dates.
Your next stepReview the labelled results and correct source warnings before acting.
- 02
Choose one scenario
You enterSettings selects scenario 1, 2 or 3. Each scenario defines a monthly budget, strategy and horizon of at most 120 months.
CalculatedThe linked records and input checks use the same stable IDs and your chosen dates.
Your next stepReview the labelled results and correct source warnings before acting.
- 03
Keep projections and actuals separate
You enterPayments and Statements hold real records. Projection estimates full calendar months after the review month and shows when the horizon or budget is insufficient.
CalculatedThe linked records and input checks use the same stable IDs and your chosen dates.
Your next stepReview the labelled results and correct source warnings before acting.
9 sheets. Inspect each one.Inputs, outputs and when to use every worksheet
StartOpen sheet details
Editable inputs
- Read the route through the file
Calculated or reference
- First useful task
Enter or review these records before relying on the summary.
Inspect the actual Start sheetSettingsOpen sheet details
Editable inputs
- Review date, period and chosen assumptions
Calculated or reference
- Chosen settings
Enter or review these records before relying on the summary.
Inspect the actual Settings sheetDebtsOpen sheet details
Editable inputs
- Record ID, Debt / lender reference, Confirmed starting balance, Fixed APR, Confirmed monthly minimum, Custom priority, Balance confirmed on, Include, Reference / short note
Calculated or reference
- Balance for projection, Latest balance date, Balance state
Enter or review these records before relying on the summary.
Inspect the actual Debts sheetStrategiesOpen sheet details
Editable inputs
- Review linked input records
Calculated or reference
- Calculated review of linked records
Enter or review these records before relying on the summary.
Inspect the actual Strategies sheetScenariosOpen sheet details
Editable inputs
- Record ID, Name, Strategy, Monthly total budget, Months to project, Reference / short note
Calculated or reference
- Input check
Enter or review these records before relying on the summary.
Inspect the actual Scenarios sheetProjectionOpen sheet details
Editable inputs
- Review linked input records
Calculated or reference
- Calculated review of linked records
Enter or review these records before relying on the summary.
Inspect the actual Projection sheetPaymentsOpen sheet details
Editable inputs
- Record ID, Debt ID, Paid on, Total paid, Principal part, Interest part, Fees part, Reference / short note
Calculated or reference
- Input check
Enter or review these records before relying on the summary.
Inspect the actual Payments sheetStatementsOpen sheet details
Editable inputs
- Record ID, Debt ID, Statement date, Closing balance, Actual interest on statement, Reference / short note
Calculated or reference
- Latest by review, Date contribution
Enter or review these records before relying on the summary.
Inspect the actual Statements sheetDashboardOpen sheet details
Editable inputs
- Review linked input records
Calculated or reference
- Labelled results and source warnings
Enter or review these records before relying on the summary.
Inspect the actual Dashboard sheetFiles, capacities and practical limitsRead these before choosing your working copy
The download
Files with a purpose.
START_HERE.pdf
One guide: first session, file index, practical limits, recovery and license.
debt-payoff-clean.xlsx
Empty workbook. Save As a working copy before entering your records.
debt-payoff-example.xlsx
The same workbook with fictional records and checked results.
English instructions, sheet names and field labels.
Before you choose
Fit and practical limits.
- For people organising their own repayment records
Understand the boundaries.
- Save a working copy. Manual entry, with no automatic sync or external connections.
- Supplied tables have fixed capacities. Extend formulas, tables and validation together before using extra rows.
- Use one currency. Blank means unknown; enter 0 when the amount is known to be zero.
- Resolve the highlighted input rows before relying on the summary.
- Uses exact-mode XMATCH. Requires Excel 2021, Excel 2024 or Microsoft 365; older Excel editions are not supported. Native Excel, Google Sheets and Numbers have not been verified.
- An illustrative fixed-APR monthly model, not financial or credit advice. No daily interest, variable rates, new purchases, fees in forecasts or lender payoff quote.
- Three editable scenarios share one monthly model. Select one to recalculate; scenario results are not three simultaneous forecasts.
- Snowball orders starting balances, Avalanche orders fixed APR, and Custom uses the entered priority. Minimums are paid before remaining budget is assigned in order.
- Confirm starting balances as of the review date. Actual payments after the latest balance confirmation require a fresh statement before relying on the projection.
Excel 2021, Excel 2024 or Microsoft 365 with XMATCH; native compatibility not verified. Local digital-engine tests are separate from native application verification.
Debt Payoff Scenarios Workbook / Version 1.0
Your own working copy.
Clean workbook, separate example and one START_HERE.pdf guide covering setup, practical limits and the internal-use license.
$7.90USD · One-time purchaseVAT included where applicable. Other applicable taxes are shown at checkout.
Desktop spreadsheet software required; it is not included. Native Excel compatibility is still awaiting verification.
Private preview. Purchases are unavailable while the files and delivery are verified.
Questions about this workbook
The details that affect your choice.
Must I connect an account?
No. The files use your manual records and have no external account connection.
Can I add unlimited records?
No. Supplied capacities are listed. Extend all affected formulas, tables and validations together before using extra rows.
Why does a result ask me to review inputs?
Correct the Input check at its source. Keep a backup before changing stable IDs, dates or assumptions; do not replace the formula with a typed result.