Excel 模型：债务减免计算器

标题： Debt Reduction Calculator

 描述：

 

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.

 

建议/提示：
  • 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.

来源： 自定义计算器

单击以下图标可在新选项卡中打开完整的工作簿查看器，让您轻松编辑和保存。

单击以下图标下载电子表格，您可以将文件与编辑内容一起保存在计算机上。

使用计算器的示例：

使用电子表格的详细示例： 用户需要完成的任务：

  1. Creditor Information Section:
    • Enter details for each creditor, including balance, interest rate, and monthly payment.
      • 示例值：
        • 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.
      • 示例值：
        • 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.
      • 示例值：
        • Total Debt: $19,761
        • Average Interest Rate: 8.19%
        • Total Monthly Payments: $329

交互式计算器为何有用：

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.

 

来源： 自定义电子表格

结论：

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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