Debt Reduction Calculator

🧾 India's Most Powerful Loan Repayment Calculator (Free Google Sheet)

Want to get out of debt faster?

This free Google Sheets Loan Repayment Calculator is built for the modern Indian borrower — helping you figure out the fastest and smartest way to repay multiple loans like home loans, personal loans, education loans, or credit card debt.

🚀 Features:

• Compare top strategies: Avalanche, Snowball, Equal Split & Weighted EMI
• Visualize how long each method takes to close all your loans
• See interest saved with each repayment strategy
• Built for Indian use cases (EMIs, interest rates, monthly redirection)
• No ads, no signup — 100% free, editable & automated. Make sure you hit copy the Google Sheet to your own account

🔍 Who Is This For?

• Anyone managing 2 or more loans
• Salaried professionals juggling EMIs
• Personal finance enthusiasts
• CA and financial advisors helping clients plan repayment
• Students & families with education loans

📊 How It Works:

1. Enter your loan details — principal, EMI, rate, and tenure
2. Enter your extra EMI capacity (optional)
3. Hit calculate to simulate how long it will take to close all loans
4. See months to freedom and interest saved under each strategy

✅ Try Now

Open the below Google Sheet, go to file -> Make a Copy to make it editable. Give all necessary permissions for the calculator to run

👉 Click here to use the Debt Strategy Calculator Google Sheet