📊 CREDIT CARD PAYMENT CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Credit Card Payment Calculator is an Excel-based tool for estimating payoff timelines and total interest based on minimum or fixed payments. It’s ideal for individuals managing debt, financial coaches, and budgeting educators who want to visualise the impact of different repayment strategies.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Customisable interest rate, balance, and minimum payment logic
• Optional fixed monthly and extra payments
• Auto-calculated payoff duration, total interest, and payment schedule
• Help worksheet with usage guidance and caution notes

🎯 Perfect For:
• Individuals managing credit card debt
• Financial advisors and budgeting coaches
• Debt reduction planning
• Personal finance educators
• Anyone comparing repayment strategies

⚙️ Features:
• Supports minimum payment %, fixed payments, and extra payments
• Calculates total interest paid and months to pay off
• Excel-native formatting—no macros or plugins required
• Reusable across multiple scenarios and card types
• Includes detailed payment schedule with interest and principal breakdown

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