Student Loan Payoff Planner Excel

Student Loan Payoff Planner Excel — Every student loan in one payoff plan: original balance, paid off so far, still owed, percent paid, and months to done at the current payment.

Built for anyone who wants the whole picture on one page: what the goal is, what is actually there, and which line is quietly falling behind — without accounting software or a subscription app. If one line is underfunded, this workbook shows it while there is still time to fix it.

WHAT'S INCLUDED (6 sheets):

- Loan Planner — Every student loan: original balance, paid off so far, still owed, percent paid, monthly payment, and months to payoff on principal alone — by formula except the yellow inputs.

- Payment Log — Every payment January-October: date, loan, description, amount, and account, with running total and share of total by formula.

- Monthly Plan — Month by month: planned payments, actual payments from the log by formula, the difference, and cumulative planned vs actual.

- Category Summary — Loans grouped by type (federal, private, family): counts, original balances, paid off, still owed, and percent paid — all by formula.

- Dashboard — Total original balance, total paid off, total still owed, percent paid, combined monthly payment, and the most and least paid-down loans.

- Cover and How to Use — start here. Yellow cells are the only ones you edit.

EXAMPLE DATA (2026 — replace with your own numbers):

- Target 101,300; current 24,750; remaining 76,550; 24.4 percent complete overall.

- 30 logged entries (January-October 2026) totaling 10,950; monthly plan planned 13,800 for 2026 against actual 10,950 so far.

- Strongest line: Perkins Loan at 69.1 percent. Weakest line: Private Loan - Sallie Mae at 12.3 percent. Largest line: Grad PLUS Loan at 27,500.

HOW IT WORKS:

1. Download the Excel file instantly after purchase.

2. On sheet 1, enter each loan's original balance, paid off so far, and monthly payment. Still owed, percent paid, and months fill in by formula.

3. On sheet 2, add a row per payment: date, loan (spelled exactly as on sheet 1), amount, and account.

4. On sheet 3, set planned payments per month. Actuals land by formula from the log.

5. Sheets 4 and 5 summarize everything by formula. Check them monthly.

HOW THE NUMBERS WORK:

Remaining is the target minus the current amount. Percent is the current amount divided by the target. Months figures divide the remaining amount by the monthly amount, rounded up. Monthly actuals are the sum of log entries in that month. Category totals group sheet 1 by its category column. Nothing in the example assumes investment growth or interest unless a sheet says so in plain words.

PLEASE NOTE:

- Instant digital download. No physical item ships.

- Works in Microsoft Excel and Google Sheets (upload to Google Drive to open in Sheets).

- Example data is included so you can see how it works. Replace the yellow cells with your own numbers — yellow cells are the only ones you edit.

- This is a bookkeeping tool, not tax, legal, or CPA advice.

- Built by an accountant: B.S. Accountancy, ASU W. P. Carey, with revenue-reconciliation experience at Marriott and audit work at PwC.