Simple Excel Debt Payoff Planner | Loan Amortization Spreadsheet | Personal Finance Tool

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😩 Overwhelmed by multiple loans?

Monthly payments everywhere.

No clear end date.

You’re paying… but don’t feel progress.

This Simple Debt Tracker was created for people who want clarity, not complexity.

No snowball strategies.

No confusing finance jargon.

Just clear numbers and real progress.

✅ WHAT THIS DEBT TRACKER DOES FOR YOU

✔ Track up to 8 loans in one place

✔ See monthly progress automatically

✔ Split payments into interest vs principal

✔ Know exactly when you’ll be debt-free

✔ Stop guessing – start seeing results

Everything updates automatically once you enter your data.

📊 WHAT’S INCLUDED (4 SHEETS)

📌 Input

Add up to 8 loans

Clean dropdown loan selection

Safe input cells only

Built-in Clear All Data button

📌 Loan Type

Editable dropdown source

Add, rename or remove loan types

Keeps names consistent (no typos)

📌 Amortization

Full month-by-month breakdown

Interest vs principal

Paid / unpaid status

Filter enabled to show only active loans

📌 Overview Dashboard

Original total debt

Months remaining

Projected debt-free date

Individual payoff timeline per loan

🚀 QUICK START (2–5 MINUTES)

1️⃣ Open the file in Microsoft Excel

2️⃣ Go to the Input sheet

3️⃣ Select loan names from dropdowns

4️⃣ Enter payment, interest, balance

5️⃣ Go to Overview

6️⃣ Enter your Start Date

✔ Done – everything else is automatic

⚠️ IMPORTANT NOTES (BUILD TRUST)

✔ Designed for Microsoft Excel (Windows)

⚠️ Mac users: macro buttons may be restricted

❌ Not compatible with Google Sheets

⚠️ Opening in Sheets may break formulas

✔ Projector- and tablet-friendly

🎯 WHO THIS IS FOR

✔ People with multiple loans

✔ Anyone tired of messy spreadsheets

✔ Users who want simple & visual tracking

✔ People focused on becoming debt-free

❌ Not for advanced snowball / avalanche strategists

(This is intentional – simplicity first.)

📁 DIGITAL DOWNLOAD

This is a digital product.

No physical item will be shipped.

You’ll receive:

✔ 1 Excel file

✔ Instant download after purchase

❓ NEED HELP?

If anything doesn’t work as expected,

please contact me – I’m happy to help.