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

📝 Overview:
This Credit Card Payoff Calculator is a focused Excel tool for estimating how long it will take to pay off a credit card—or what monthly payment is needed to meet a specific payoff goal. It’s ideal for individuals managing debt, financial advisors, and budgeting educators.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Two-way calculator: estimate months to payoff or required monthly payment
• Customisable interest rate, balance, and payoff goal
• Auto-calculated total interest and payment timeline
• Help worksheet with usage guidance and caution notes

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

⚙️ Features:
• Supports fixed interest rate and custom payoff goals
• 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 interest-only threshold logic and cautionary notes

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