# Homeowner Grow!

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

*Own Your Home Sooner. Get Debt-Free. Keep Building.*

Three complete money-planning spreadsheets in one bundle. Map out your mortgage from first payment to last, choose the smartest way to pay off your other debts, and then track your whole journey with payment logs, milestones, and net worth. 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

Debt-Free Journey Planner

- 🏁 **Debts Setup** — enter all your debts once, with balances, interest rates, and monthly payments

- 🗒️ **Payment Log** — record each payment and keep your balances up to date

- 🚩 **Milestone Tracker** — set goals and mark off wins on the way to debt-free

- 💸 **Interest Saved Calculator** — see how much interest an extra monthly payment could save you

- 💼 **Net Worth Tracker** — watch your net worth grow as your debts shrink

- 📊 **Dashboard Overview** — total debt, total monthly payments, estimated time to debt-free, and average interest rate at a glance

- 📈 **Visual Charts** — total debt balance vs. projected balance, payoff progress, and debt breakdown

- 💡 **Key Insights & Payoff Strategy** — handy takeaways and tips on where to focus your payments

- ⚡ **Quick Actions** — add a new debt, update a payment, view scenarios, or open your report in a click

**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. Master your mortgage, clear your other debts, and track the whole journey in one connected toolkit.

**What's Included**

- 3 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**

Homeowners and 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 tracking your progress toward a debt-free life, this bundle gives you the real numbers instead of guesswork.

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