📊 MORTGAGE PAYOFF WITH LINE OF CREDIT — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Mortgage Payoff Calculator is a scenario-based Excel tool for comparing traditional amortisation, extra payments, and line-of-credit acceleration strategies. It includes paycheck parking simulation and interest savings logic—ideal for homeowners, financial advisors, and educators exploring mortgage optimisation.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Three payoff scenarios: traditional, extra payments, and line-of-credit strategy
• Paycheck parking toggle with monthly income and expense modelling
• Interest savings and years-to-payoff comparison
• Amortisation schedules for mortgage and LOC accounts

🎯 Perfect For:
• Homeowners exploring faster mortgage payoff
• Financial advisors modelling debt acceleration
• Educators teaching loan strategy and cash flow logic
• Anyone comparing traditional vs. LOC-based repayment

⚙️ Features:
• Simulates LOC-based principal payments and repayment cycles
• Calculates interest savings and payoff duration across scenarios
• Includes free cash flow logic and expense tracking
• Excel-native formatting—no macros or plugins required
• Reusable across income levels, loan types, and repayment strategies

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