{"product_id":"student-loan-payoff-tracker","title":"Student Loan Payoff Tracker Spreadsheet","description":"\u003cp\u003eThis student loan payoff tracker puts federal, provincial and private loans at different rates into one repayment planner. It runs a twenty-year schedule month by month, so the finish line becomes a date on the calendar rather than a feeling.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003ePlease read:\u003c\/strong\u003e This is a tracker tool only, not financial, tax, legal, medical or any other professional advice or advisory service. It records and calculates what you enter; you are solely responsible for checking all figures, rates, dates and results and for every decision you make. By purchasing, downloading or using it, you accept these terms (your statutory consumer rights are not affected).\u003c\/p\u003e\u003ch2\u003eDebt snowball or debt avalanche, worked out on your loans\u003c\/h2\u003e\u003cp\u003eMost templates give you one calculator and one answer. This one runs a full month-by-month schedule for the snowball and for the avalanche, then shows the gap between them in dollars and in months, so you choose knowing what the choice costs. The snowball rolls for real: when a debt clears, its minimum payment joins the next one automatically, and that rolling amount is part of every date in the file.\u003c\/p\u003e\u003cp\u003eEnter each loan's balance, rate and minimum payment once. The workbook decides the order to pay them in under either strategy, shows the month each one clears, and logs what you actually pay against the plan.\u003c\/p\u003e\u003ch2\u003eTen connected tabs\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebts:\u003c\/strong\u003e balance, rate and minimum payment, the only things you enter\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSnowball Schedule:\u003c\/strong\u003e every month and every loan until the last one clears\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAvalanche Schedule:\u003c\/strong\u003e the same schedule, ordered the other way round\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Plan:\u003c\/strong\u003e the order to pay them in and what each will cost you\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCompare:\u003c\/strong\u003e both strategies side by side, with the difference in dollars\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayoff Calendar:\u003c\/strong\u003e the month each one disappears and what it frees up\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayment Log:\u003c\/strong\u003e what you actually paid, split into principal and interest\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDashboard:\u003c\/strong\u003e six live figures, including your debt-free date\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eSetup and Start Here\u003c\/strong\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat this loan calculator works out\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eYour debt-free date, from your own numbers\u003c\/li\u003e\n\u003cli\u003eThe total interest you will pay across the whole plan\u003c\/li\u003e\n\u003cli\u003eHow many months each individual debt takes to clear\u003c\/li\u003e\n\u003cli\u003eThe payoff order under either strategy, set automatically\u003c\/li\u003e\n\u003cli\u003eChange the extra payment and every date moves with it\u003c\/li\u003e\n\u003cli\u003eCharts that redraw from your own numbers\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eA filled-in copy to learn from\u003c\/h2\u003e\u003cp\u003eYou get a worked example to click through and a blank copy ready for your own loans, in Excel and in Google Sheets. It doubles as a loan tracker once repayments start, because every payment you log is split into principal and interest.\u003c\/p\u003e\u003ch2\u003eWorks with\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eMicrosoft Excel 2016, 2019, 2021 and Microsoft 365, on Windows and Mac, and LibreOffice. No Microsoft 365 subscription needed.\u003c\/li\u003e\n\u003cli\u003eGoogle Sheets with a free Google account. The Google Sheets version is a real workbook, not a PDF with a link in it.\u003c\/li\u003e\n\u003cli\u003eNo add-ins, no macros, no subscription and no bank connection\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch2\u003eWhat you download\u003c\/h2\u003e\u003cul\u003e\n\u003cli\u003eThe Excel workbook, filled with a worked example\u003c\/li\u003e\n\u003cli\u003eThe same workbook, blank and ready for your own numbers\u003c\/li\u003e\n\u003cli\u003eThe instruction guide, with one-click links to the Google Sheets versions (filled and blank)\u003c\/li\u003e\n\u003cli\u003eThe terms of use as a PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eThe Start Here tab walks you through setup in a few minutes.\u003c\/p\u003e\u003cp\u003eYour files are ready as soon as payment clears. The template is for personal use on your own devices; please do not share or resell the files. Questions before or after you buy? Use our contact page and we will help.\u003c\/p\u003e\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\u003ch3\u003eCan I use it in Excel and Google Sheets?\u003c\/h3\u003e\u003cp\u003eYes. The Excel workbook runs in Excel 2016 or later on Windows and Mac, and the instruction guide has two one-click links to the Google Sheets versions for a free Google account.\u003c\/p\u003e\u003ch3\u003eCan I track federal and private loans together?\u003c\/h3\u003e\u003cp\u003eYes. Federal, provincial and private loans at different rates all go on the Debts tab and are planned as one.\u003c\/p\u003e\u003ch3\u003eHow far ahead does the schedule run?\u003c\/h3\u003e\u003cp\u003eThe schedule runs month by month for twenty years, so you get an actual debt-free date.\u003c\/p\u003e\u003ch3\u003eWhich loan should I pay off first?\u003c\/h3\u003e\u003cp\u003eThe workbook works out the order under both snowball and avalanche and shows the difference in dollars and months, so you can choose with the cost in front of you.\u003c\/p\u003e\u003ch3\u003eWhat do I need to enter?\u003c\/h3\u003e\u003cp\u003eEach loan's balance, rate and minimum payment, then the payments you make. The Start Here tab walks you through setup in a few minutes.\u003c\/p\u003e","brand":"OPXVIA","offers":[{"title":"Default Title","offer_id":67597860896862,"sku":"OPX-017","price":14.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0769\/2094\/6782\/files\/student-loan-payoff-tracker-01.jpg?v=1790832020","url":"https:\/\/opxviashop.com\/products\/student-loan-payoff-tracker","provider":"OPXVIA","version":"1.0","type":"link"}