Excelモデル: 負債削減計算機

タイトル： Debt Reduction Calculator

 説明：

 

This spreadsheet helps users manage and reduce their credit card debt by providing a structured way to record debt information and track payments. It includes sections for entering creditor details, calculating monthly payments, and summarizing debt reduction progress.

 

  • Creditor Information: Enter details about each creditor, including balance, interest rate, and monthly payment.
  • Payment Schedule: Record monthly payments and track the balance reduction over time.
  • Debt Reduction Summary: Provides an overview of total debt, average interest rate, and total monthly payments.

 

アドバイス/ヒント:
  • Creditor Information:
    • Ensure all creditor details are accurately entered before proceeding with calculations.
    • Regularly update the creditor information to reflect current balances and interest rates.

  • Payment Schedule:
    • Record each payment accurately to track progress effectively.
    • Use the payment schedule to plan and prioritize debt payments.

  • Debt Reduction Summary:
    • Monitor the summary to understand the overall debt reduction progress.
    • Use the summary to make informed decisions about additional payments or changes to the repayment strategy.

ソース： カスタム計算機

次のアイコンをクリックすると、新しいタブで完全なワークブック ビューアーが開き、簡単に編集して保存できるようになります。

次のアイコンをクリックするとスプレッドシートがダウンロードされ、編集内容とともにファイルをコンピューターに保存できます。

計算機の使用例:

スプレッドシートの使用の詳細な例: ユーザーが完了するタスク:

  1. Creditor Information Section:
    • Enter details for each creditor, including balance, interest rate, and monthly payment.
      • 例の値:
        • Card 1: Balance – $5,000, Interest Rate – 12.00%, Monthly Payment – $150.
        • Card 2: Balance – $3,432, Interest Rate – 5.00%, Monthly Payment – $45.

  2. Payment Schedule:
    • Record monthly payments and track the balance reduction.
      • 例の値:
        • Card 1: March 2026, Payment – $150, Balance – $4,850.
        • Card 2: February 2025, Payment – $45, Balance – $3,387.

  3. Debt Reduction Summary:
    • Review the summary of total debt, average interest rate, and total monthly payments.
      • 例の値:
        • Total Debt: $19,761
        • Average Interest Rate: 8.19%
        • Total Monthly Payments: $329

インタラクティブ計算機が便利な理由:

This spreadsheet consolidates all information related to credit card debt in one place, making it easier to monitor and manage debt reduction. By providing a clear view of creditor details, payment schedules, and progress summaries, it helps users make informed decisions to achieve financial stability.

 

ソース： カスタムスプレッドシート

結論：

The Debt Reduction Calculator is an invaluable tool for managing and reducing credit card debt. By providing a detailed and organized approach to recording and analyzing debt information, it helps users achieve financial stability and make informed decisions about their debt repayment strategy. Regular updates and reviews ensure that the repayment strategy remains aligned with changing financial conditions and goals.

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