📊 CREDIT REPAIR CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Credit Repair Calculator is a strategic Excel tool for planning debt reduction using snowball, avalanche, or custom payoff orders. It tracks balances, interest, and payoff timelines across multiple creditors—ideal for individuals rebuilding credit, financial coaches, and debt consultants.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Creditor table with balances, rates, and payment logic
• Built-in strategies: Snowball, Avalanche, Custom (Highest/Lowest First)
• Auto-calculated interest, payoff dates, and monthly allocation
• Payment schedule and order-of-operations worksheets

🎯 Perfect For:
• Individuals repairing credit or managing multiple debts
• Financial advisors and debt reduction coaches
• Personal finance educators
• Consultants offering budgeting or credit repair services

⚙️ Features:
• Supports multiple payoff strategies with custom ranking logic
• Calculates total interest paid and months to pay off each debt
• Includes “Reduce To” goals and interest-only thresholds
• Excel-native formatting—no macros or plugins required
• Reusable across scenarios with adjustable payment plans

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