Student Loan Payoff Planner Spreadsheet, Excel and Google Sheets, PSLF Tracker, Refinance Calculator, Debt Avalanche, Student Loan Tracker

Student Loan Payoff Planner Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. See exactly what to pay on each student loan every month, when you'll be debt-free and how much interest you save, whether your loans are federal, private or both. Perfect for recent grads with several federal and private loans. ✨ NOW INCLUDES 4 FILES: Excel + Google Sheets, each in a SAMPLE version (filled with example data so you can see how it works) and a BLANK version (ready for your own numbers). ★ WHAT'S INCLUDED ★ • 15 tabs with a clickable Start Here page • Dashboard: 16 KPI tiles, next month's payment for every loan, a plan check, PSLF progress and 4 charts • Loans: up to 10 federal or private loans with balance, rate, required payment, interest per day and per month, payment check and payoff order • Payoff Plan: a 300-month (25-year) schedule that rolls freed-up money to the next loan (Avalanche, Snowball or your own order), plus planned lump sums like tax refunds • Plan Compare: your plan vs Avalanche vs Snowball vs required payments only vs Standard 10-year vs Extended 25-year, with debt-free dates, total interest and 2 charts • Refinance: compare up to 3 offers (rate, term, fee, bonus) against your current loans: new payment, total cost, savings and break-even, with a heads-up when federal loans are included • PSLF Tracker: employment history, a 144-month qualifying payment counter, servicer-confirmed vs likely payments and an estimated 120th payment (tracker only) • Interest Tracker: daily, monthly and yearly interest, interest since your last payment, interest vs principal by year and a deferment / capitalization calculator • Payment Log (500 rows), Monthly Check-in (24 months) and Milestones with a debt-free countdown • Payoff Calculator: months to pay off a loan, payment for a target date, extra payment and lump sum what-ifs, plus an extra payment ladder ★ PERFECT FOR ★ ✓ Recent grads with several federal and private loans ✓ Choosing between paying extra, refinancing or a longer plan ✓ Public service workers keeping their own PSLF count ★ COMPATIBILITY ★ • Microsoft Excel (desktop, Mac, web) • Google Sheets (upload to Google Drive and open with Google Sheets) • 4 files included: an Excel version + a Google Sheets edition, each as a Sample and a Blank copy • Not designed for Apple Numbers ★ HOW IT WORKS ★ 1. Download the files right after purchase. 2. On Setup, type what you can pay each month and pick a strategy. 3. List your loans from your servicer or lender on Loans. 4. Follow your plan, log payments and watch your balance drop. Works in any currency ($, £, €, C$, A$ and more): just change the currency symbol. ★ PLEASE NOTE ★ • This is a digital download. Nothing will be shipped. • Results are estimates. The PSLF Tracker is a personal tracker only: your servicer's count is the official one. Not financial, tax or legal advice. • Because it's a digital file, returns aren't accepted, but if you have any trouble with th