Delivered instantly as a fully-working .xlsx file that also opens cleanly in Google Sheets. No plugins, no subscription.
Real formulas, not templates
No subscriptions, ever
Instant access after purchase
How This Gets Used
A business owner was offered a refinance at a lower rate. Once closing costs were factored in, the real break-even was 22 months out — longer than they planned to hold the loan.
About This Template
Know which loan to attack first, and whether a refinance offer actually saves you money once fees are factored in. Real amortization math calculates your payoff priority and your exact refinance break-even point automatically.
See what's inside
Every tab, fully built out — no placeholders. Swipe or use the tabs to browse, tap a screenshot to enlarge.
A fully-working Excel (.xlsx) file that also opens cleanly in Google Sheets — no plugins or add-ons required.
Is this a subscription?
No. It's a one-time purchase. You own the file outright with no recurring fees, ever.
What's your refund policy?
All sales are final. Because this is a digital product delivered instantly and in full, and every listing includes detailed screenshots of every tab before you buy, we don't offer refunds after delivery.
Can I use this for multiple businesses or clients?
Each purchase is licensed for use within a single business. If you're a consultant, bookkeeper, or advisor looking to use it across multiple clients, reach out and we can discuss options.
Is this tax, legal, or financial advice?
No. This tool is an organizational and planning aid, not a substitute for advice from a licensed accountant, tax professional, or financial advisor.
Ready to get started?
Delivered instantly. Works in Google Sheets and Excel. Yours to keep, forever.
