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Author: admin | Category: Calculateur De Pret Auto | Date: 23.01.2016

Note: The download includes an extended version of the credit repair edition for listing 20 creditors, and a link to a Google Sheets version for listing up to 20 as well.
Use our Debt Reduction Calculator to help you eliminate your credit card, auto, student loan, and other debts. In the first worksheet, you enter your creditor information and your total monthly payment. The second worksheet is a payment schedule for you to print to keep track of your progress.
One of the included files lets you list up to 20 creditors, and if that isn't enough, there is also a version that lets you list up to 40. Enter abbreviated names for your the credit card or lending institution, the current balances, and the interest rate information for all of your current debts (including home equity lines of credit or second mortgages). Choose the maximum monthly payment that you can pay each month towards your debts, based on your home budget.
When your first debt is completely paid, the remainder of your snowball is then applied to the NEXT debt, and so on, until all the debts are paid. Warning: It may be tempting to put your full financial strength into paying off your debts.
This section describes the different strategies that you can choose within the debt reduction spreadsheet. User-Specified Order: There are three options for choosing the order that you want to pay your debts. Debt Snowflaking: This is a term for making extra debt payments above the normal monthly payment (above and beyond the normal snowball).


Sample Letter to Student Loan Servicer - at consumerfinance.gov, Oct 16, 2013 - This article includes a sample letter for explaining to your loan servicer how you want your extra payments to be applied. Help us help others break free from the bonds of debt by spreading the news about this free debt reduction tool.
A big thanks to Donald Wempe for the motivation to create this spreadsheet, and for his great ideas! Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only.
One of the most powerful things about this spreadsheet is the ability to choose different debt reduction strategies, including the debt snowball effect (paying the lowest balance first) or the debt avalanche (highest-interest first). The more you can squeeze out of your budget to increase your debt snowball, the faster you'll reach your goals. Easily create a debt reduction schedule based on the popular debt snowball strategy, or experiment with your own custom strategy.
You'll then see a summary of when each of the debts will be paid off based on the strategy you choose. You may need to verify with your lending institutions what your current minimum payments are.
The difference between the total minimum payments and your total monthly payment is your initial snowball. The benefit of this method is the psychological effect of seeing the number of debts disappear quickly.
If the difference in the total interest is not significant, than you may get more satisfaction and success from the Lowest Balance First method.


It might not make much difference in how long it takes to pay them off, but it could make a difference in how much interest you end up paying. Your situation is unique, and we do not guarantee the results or the applicability of this calculator to your situation. Just choose the strategy from a dropdown box after you enter your creditor information into the worksheet. Continue reading below the download block for links to useful blog articles and information about the various debt reduction strategies. For the price of a good lunch, you can figure out how to save yourself hundreds or thousands of dollars! Also, keep in mind that your minimum payment may change over time, depending on interest rates or other issues. You need to balance your debt reduction goals with the need for an emergency fund and other important financial goals.
Getting out of debt is not easy, but with a good plan and firm determination, it is entirely possible. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel®, OpenOffice, and Google Sheets, that helps you come up with a plan. It creates a debt snowball payment schedule that can help you manage your payments to most effectively pay off your debts.



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