📊 MORTGAGE PAYOFF CALCULATOR — 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 cycling. It includes optional paycheck parking logic and visualises interest savings across three payoff strategies—ideal for homeowners, financial planners, and debt reduction consultants.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Three payoff scenarios: standard, extra payments, and line-of-credit cycling
• Customisable loan terms, income, expenses, and transfer amounts
• Built-in logic for paycheck parking and free cash flow allocation
• Detailed payment schedules for mortgage and LOC accounts

🎯 Perfect For:
• Homeowners planning early payoff
• Financial advisors and mortgage consultants
• Debt reduction strategists
• Educators teaching amortisation and cash flow logic

⚙️ Features:
• Compares payoff duration and interest across three strategies
• Supports line-of-credit cycling with optional paycheck parking
• Calculates total interest, years to payoff, and savings
• Excel-native formatting—no macros or plugins required
• Reusable across mortgage types and income scenarios

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