Debt Payoff & EMI Prepayment Planner Bundle: Global + India Editions (Excel & Google Sheets)

Two spreadsheet planners in one download, ₹599 instead of ₹798 for both.

Global edition (any currency)

• Up to 10 debts in any currency: credit cards, personal, car and student loans
• Snowball vs avalanche vs minimums only: months, debt-free date, total interest, interest saved
• Your payoff order, with the month each debt is cleared
• Month-by-month schedule for up to 30 years, with freed-up minimums rolling over
• What-If tab: pay X more a month and see how many months sooner you finish
• Progress tracker: enter what you actually paid and compare it with the plan
• 8-page PDF user guide, with sample data in every tab

India edition (₹ lakh / crore)

• EMI calculator with amounts shown the Indian way (₹50,00,000 / ₹54.14 lakh / ₹1.04 crore)
• Amortisation schedule for up to 30 years, plus a financial-year (Apr–Mar) principal and interest summary
• Prepayment planner: a one-time lump sum, a fixed monthly extra, or both. Shows interest saved and how much the tenure shortens
• Prepay vs invest: compare paying down the loan with investing at a return and tax rate you choose, with a 4%–16% sensitivity table
• EMI compare: up to 3 loans or offers side by side, with an EMI-to-income check

Works in Microsoft Excel 2016+ / Microsoft 365, Google Sheets and LibreOffice Calc.

This is a planning calculator, not financial, tax or investment advice. Investment returns are not guaranteed. Prepayment rules and charges vary by lender. The planner assumes your EMI stays the same and the tenure gets shorter.

Because this is an instant digital download, all sales are final and we don't offer refunds. If a file doesn't open or a formula looks wrong, use the contact form on the Digital Shelf store page (https://payhip.com/ShelfHive) and we'll fix it or send a corrected file.