AI-Powered Loan & Debt Toolkit for Excel — Amortization, Refinance, Compare & Payoff (5 Tools)

Description
Most loan templates do one thing. This is a connected toolkit where your numbers flow across five tools:

• Amortization Schedule — payment, full schedule (up to 360 payments), total interest, payoff date, and an extra-payment engine showing the interest and time you save.
• Refinance Break-Even — compare your loan to a refinance offer: monthly savings, the exact break-even month, lifetime savings, and a crossover chart.
• Loan Comparison — three offers side by side; the cheapest total cost is highlighted automatically. • Debt Payoff Planner — snowball or avalanche: debt-free date, interest saved, and the exact payoff order.
• AI Advisor — one click builds a prompt filled with YOUR figures for ChatGPT, Claude or Copilot. 

Plus a macro-enabled bonus with a live =ASKAI() function that answers right inside a cell.

Best of all, the AI works at no extra cost on every Excel version from 2016 to Microsoft 365 (even Google Sheets) — no Copilot subscription required. 


Perfect for home buyers, borrowers juggling multiple debts, loan shoppers, students and analysts. 100% formula-driven, unlocked, print-ready, and banker-grade. Sample data is pre-filled so every chart and result is alive the moment you open it. No add-ins, no setup — just open and type your numbers.