# Journey Build!

**Mortgage, Debt Payoff, Debt-Free Journey & Net Worth Planners**

*Map Your Journey. Pay Off Faster. Build Real Wealth.*

Four complete spreadsheets in one bundle. Model your mortgage and see how extra payments cut your interest, choose the smartest strategy for your other debts, follow your progress every month, and watch your net worth grow as your debt shrinks. Just enter your numbers and everything else updates automatically.

**What's Inside**

Mortgage Amortization & Payoff Planner

• 🏡 Full Amortization Schedule: a month-by-month principal and interest breakdown for up to 30 years
• 💰 Extra Payment Savings: see how extra monthly payments cut your interest and shorten your term
• ⚖️ Loan Comparison: compare two mortgage scenarios side by side by rate, term, or extra payment
• ✅ 28% Affordability Check: see whether your payment fits your income

Debt Freedom & Payoff Planner

• 📋 Debt Tracker: track up to 15 debts with balance, APR, and minimum payment
• ⚔️ Avalanche vs. Snowball: compare both strategies side by side to see your debt-free date and total interest
• 🗓️ Month-by-Month Payment Schedule: a full plan for whichever strategy you choose

Debt-Free Journey Planner

• ⏳ Debt-Free Countdown: see how many months until your final payment, with a projected debt-free date
• 🗒️ Monthly Payment Log: record every payment and compare it to your plan
• 🏆 Milestone Tracker: celebrate every debt you clear
• 💰 Interest Saved Calculator: see how much extra payments save versus paying only the minimum

Net Worth & Wealth Tracker

• 💎 Assets & Liabilities Tracker: list up to 15 assets and 15 liabilities, each with its own category, and see your net worth instantly
• 📊 Income & Expenses Overview: log your monthly income and expenses, with your net cash flow
• 📅 Monthly Snapshot History: record your net worth each month to build a trend line, plus a year-over-year comparison

Every workbook includes a live dashboard with KPI cards and interactive charts.

**Why You'll Like It**

Everything recalculates instantly. Change a loan amount, rate, balance, or extra payment and every schedule, countdown, net worth figure, and chart updates automatically, with no manual work required. Plan the route, log each payment, and watch your wealth grow as your debt falls.

**What's Included**

• 4 spreadsheets in one bundle
• Instant .xlsx download
• Compatible with Microsoft Excel 2016+, Microsoft 365, and Google Sheets
• Works on all devices
• No macros, plugins, or add-ons needed
• Works with any currency, with no symbol hard-coded
• Built-in user guide and sample-data preview sheets in every workbook
• Clean, color-coded inputs so you always know what to edit
• Lifetime access and all future updates

**Who It's For**

Homeowners and anyone on the road out of debt who also wants to see their wealth grow: people with a mortgage, credit cards, personal loans, or auto loans who want a clear plan and a way to track every step. This bundle gives you the real numbers instead of guesswork.

**One-time payment, lifetime access & updates**