Description
Two Excel + Google Sheets tools that answer the one question your bank apps can’t: which month do my EMIs end?
EMI Payoff Planner — enter up to 25 loans (balance, rate, EMI). Choose Snowball or Avalanche, add an optional extra payment, and see the debt-free date for every loan and overall, month by month, with total interest saved.
Loan Payoff Accelerator — pick one loan and see what extra payments, an annual EMI step-up, or a one-time lump sum does to your payoff date — current vs accelerated, side by side.
Both files come with step-by-step how-to guides inside. Everything stays in your own file — no sign-up, no data collection. Works in Excel and Google Sheets.
(Sample numbers shown in images; your results depend on your inputs. This is a planning tool, not financial advice.)
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