{"product_id":"u-s-debt-freedom-planner-excel-payoff-spreadsheet","title":"Verolane U.S. Debt Freedom Planner | Excel Payoff Spreadsheet","description":"\u003ch2\u003eChoose the strategy. See the finish line. Break the cycle.\u003c\/h2\u003e\u003cp\u003eThe \u003cstrong\u003eVerolane U.S. Debt Freedom Planner\u003c\/strong\u003e helps households organize up to ten debts, compare Snowball and Avalanche strategies, test extra payments, and track real progress toward an estimated debt-free date.\u003c\/p\u003e\u003cp\u003eEnter current balances, APRs, minimum payments, and a sustainable extra-payment amount. The workbook builds two account-level payoff plans so you can compare timing, estimated interest, payment order, and total cost before choosing the method you are most likely to maintain.\u003c\/p\u003e\u003ch3\u003eWhat this planner helps you do\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOrganize up to ten debt accounts\u003c\/li\u003e\n\u003cli\u003eCalculate automatic Snowball and Avalanche priority orders\u003c\/li\u003e\n\u003cli\u003eProtect minimum payments before allocating extra money\u003c\/li\u003e\n\u003cli\u003eRoll freed payments forward when accounts close\u003c\/li\u003e\n\u003cli\u003eModel payoff plans for up to 240 months\u003c\/li\u003e\n\u003cli\u003eCompare estimated dates, interest, and total payments\u003c\/li\u003e\n\u003cli\u003eTest different monthly extra-payment amounts\u003c\/li\u003e\n\u003cli\u003eTrack planned and actual balances for 24 months\u003c\/li\u003e\n\u003cli\u003eReview milestones, reports, and a plain-language Next Best Action\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eTwelve connected worksheets\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eWelcome\u003c\/li\u003e\n\u003cli\u003eSetup\u003c\/li\u003e\n\u003cli\u003eDebt Inventory\u003c\/li\u003e\n\u003cli\u003eSnowball Plan\u003c\/li\u003e\n\u003cli\u003eAvalanche Plan\u003c\/li\u003e\n\u003cli\u003eStrategy Comparison\u003c\/li\u003e\n\u003cli\u003eExtra Payment Simulator\u003c\/li\u003e\n\u003cli\u003e24-Month Tracker\u003c\/li\u003e\n\u003cli\u003eDebt-Free Dashboard\u003c\/li\u003e\n\u003cli\u003eMilestones\u003c\/li\u003e\n\u003cli\u003eReports\u003c\/li\u003e\n\u003cli\u003eHelp\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eBuilt for the United States\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eU.S. dollar formatting\u003c\/li\u003e\n\u003cli\u003eMM\/DD\/YYYY date format\u003c\/li\u003e\n\u003cli\u003eAPR and U.S. debt terminology\u003c\/li\u003e\n\u003cli\u003eU.S.-appropriate examples and customer instructions\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eYour download includes\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eVRL-003-US Debt Freedom Planner workbook\u003c\/li\u003e\n\u003cli\u003eStart Here guide\u003c\/li\u003e\n\u003cli\u003eQuick Start Guide\u003c\/li\u003e\n\u003cli\u003eComplete User Guide\u003c\/li\u003e\n\u003cli\u003ePersonal-Use License\u003c\/li\u003e\n\u003cli\u003eFile manifest\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eDesigned for clarity and privacy\u003c\/h3\u003e\u003cp\u003eThe workbook is designed to operate locally in Microsoft Excel so your financial information remains in the file and storage location you control. No bank connection or subscription is required.\u003c\/p\u003e\u003ch3\u003eCompatibility\u003c\/h3\u003e\u003cp\u003e\u003cstrong\u003eMicrosoft Excel is required.\u003c\/strong\u003e Desktop Excel on Windows or Mac is recommended. This product has not been designed or validated for Google Sheets, Apple Numbers, or mobile-only spreadsheet editing.\u003c\/p\u003e\u003ch3\u003eDigital product notice\u003c\/h3\u003e\u003cp\u003eThis is a digital download. No physical item will be shipped. Personal and household use only.\u003c\/p\u003e\u003cp\u003e\u003cem\u003ePayoff dates, interest totals, and strategy comparisons are planning estimates. This workbook is an organizational and educational tool and does not provide individualized financial, tax, legal, investment, accounting, bankruptcy, settlement, credit, or debt advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Verolane","offers":[{"title":"Digital Download","offer_id":44859284455517,"sku":"VRL-003-US","price":29.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0744\/3123\/4141\/files\/verolane-us-debt-freedom-planner-hero.png?v=1785875302","url":"https:\/\/verolane.ca\/products\/u-s-debt-freedom-planner-excel-payoff-spreadsheet","provider":"Verolane","version":"1.0","type":"link"}