Find out what your extra $100 a month is really worth. The Mortgage Payoff Planner is a ready-to-use Excel workbook (Google Sheets compatible) that turns mortgage math into a clear picture. WHAT YOU GET: a loan sheet where you enter balance, rate and remaining term - monthly payment, total interest and payoff date calculate automatically; an extra-payment simulator: add any one-off or monthly extra amount and instantly see interest saved and months shaved off; a side-by-side comparison of up to three payoff strategies (baseline vs extra monthly vs annual lump sums); a 12-month rolling schedule with principal/interest split and balance after each payment. All formulas live and editable - change one number, every answer updates. Works in Microsoft Excel 2016+ and Google Sheets (File - Import). No macros, no plugins. WHO IT IS FOR: homeowners deciding whether to overpay a mortgage or invest, anyone refinancing who wants to compare terms, first-time buyers estimating real costs. HOW TO USE: 1. Download after purchase. 2. Enter your loan details. 3. Test extra payment scenarios. 4. Pick the strategy that fits your cash flow. Instant delivery, lifetime updates included. Store support replies within 24 hours.