A lower interest rate can still be a losing deal once closing costs are factored in. Know your real break-even before you refinance.
Real formulas, not templates
No subscriptions, ever
Instant access after purchase
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.
A fully-working Excel (.xlsx) file that also opens cleanly in Google Sheets — no plugins or add-ons required.
No. It's a one-time purchase. You own the file outright with no recurring fees, ever.
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.
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.
No. This tool is an organizational and planning aid, not a substitute for advice from a licensed accountant, tax professional, or financial advisor.
Delivered instantly. Works in Google Sheets and Excel. Yours to keep, forever.
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