# Homeowner Start!

**Mortgage & Debt Payoff Planners**

*Own Your Home Sooner. Get Debt-Free Faster.*

Two complete money-planning spreadsheets in one bundle. Map out your mortgage from first payment to last, model extra payments, and compare loan scenarios side-by-side. Then build a clear payoff plan for the rest of your debt. Just enter your numbers and everything else updates automatically.

**What's Inside**

- Mortgage Amortization & Payoff Planner

📊 Full Amortization Schedule — every monthly payment for up to 30 years, with principal, interest, and running balance broken out

💰 Extra Payment Modeller — add a monthly extra payment and instantly see your new payoff date, months saved, and total interest saved

⚖️ Loan Comparison Tool — model two full scenarios side-by-side (e.g. 30-yr vs 15-yr, or two lender offers) with monthly payment, total interest, and interest-saved differences calculated automatically

🏠 28% Affordability Check — enter your income and other housing costs to see instantly whether your payment fits the classic 28% rule

📈 Visual Charts — loan balance over time, principal vs. interest by year, total cost breakdown, and a monthly payment / interest comparison chart for your two scenarios

✅ Built-in Guide & Dashboard — a Guide sheet to get you started and a Dashboard summarizing your key numbers at a glance

- Debt Freedom & Payoff Planner

📋 My Debts — list every debt (credit cards, personal loans, car loans, student loans and more) with balances and APRs in one place

🗓️ Repayment Plan — a clear payoff roadmap to your debt-free date

⚔️ Avalanche vs. Snowball — compare both payoff methods side-by-side, with months to debt-free and total interest for each

💰 Extra Payments — see how adding to your monthly payment shortens your timeline and cuts interest

📈 Progress Tracker — follow your payoff progress and celebrate milestones

📊 Visual Dashboard — key numbers, debt breakdown by type, balances by debt, payoff timeline, and total interest paid at a glance

🧾 Reports & Settings — a detailed summary of your payoff journey, plus settings to tailor the planner to you

Why You'll Like It Everything recalculates instantly — change your rate, term, balances, or extra payments and every schedule, result, and chart updates automatically, no manual work required.

**What's Included**

2 spreadsheets in one bundle

Instant .xlsx download

Compatible with Microsoft Excel 2016+ and Google Sheets

No macros, plugins, or add-ons needed

Lifetime access and all future updates

Clean, color-coded inputs so you always know what to edit

Who It's For New homeowners, first-time buyers, and anyone with a mortgage or other debts they want gone sooner. Whether you're comparing loan offers, weighing refinancing, deciding if extra payments are worth it, or building a plan to become debt-free, this bundle gives you the real numbers instead of guesswork.

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