Excel and Google Sheets Debt Payoff Calculator Using NPER, FV and PMT

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A DEV Community tutorial shows how to build a two-tab debt payoff calculator that works in Excel, Google Sheets and LibreOffice. It calculates months to payoff, the size of the final payment, total interest, and the payoff date for each debt. The sheet also compares costs at minimum payments and estimates the extra payment needed to clear a debt by a target date. The author tested the formulas against an independent Python model across a worked example and 40 randomized debt sets. The method correctly handles edge cases such as 0% loans and payments too small to ever retire a balance.

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