{"product_id":"calcit-debt-loan-toolkit","title":"CalcIt - Debt \u0026 Loan Toolkit","description":"\u003cp\u003e\u003cstrong\u003eStop guessing when your debt will finally be gone.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThe \u003cstrong\u003eCalcIt Debt \u0026amp; Loan Toolkit\u003c\/strong\u003e turns balances, APRs and payments into a clear action plan. See which debt to attack first, when you can become debt-free, how much interest you will pay and whether a new loan or refinance offer is actually worth it.\u003c\/p\u003e\n\u003ch3\u003eEverything you need in one workbook\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDebt Payoff Planner\u003c\/strong\u003e — organize and calculate up to 10 debts in one place.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3 payoff strategies\u003c\/strong\u003e — choose Avalanche, Snowball or your own Custom Priority, with plain-English explanations for each.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMonth-by-month payoff plan\u003c\/strong\u003e — follow your starting balance, interest, payment, ending balance, debts remaining and current target.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSmart rollover logic\u003c\/strong\u003e — once a debt is cleared, its old minimum payment automatically moves to the next target.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eInteractive dashboard\u003c\/strong\u003e — instantly see total debt, monthly budget, payoff time, debt-free date, interest remaining and total paid.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLoan Offer Comparison\u003c\/strong\u003e — compare up to 5 offers by monthly payment, fees, total interest, all-in cost and overall rank.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRefinance Decision Engine\u003c\/strong\u003e — calculate monthly savings, interest savings, break-even point and payoff-time change.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFlexible payment planning\u003c\/strong\u003e — include regular extra payments and an optional one-time boost payment.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e19-currency system\u003c\/strong\u003e — use USD, EUR, GBP, CZK and 15 more supported currency labels throughout the workbook.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBeginner-friendly design\u003c\/strong\u003e — clear instructions, color-coded inputs and automatic calculations keep the workbook easy to use.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eChoose the strategy that fits you\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eAvalanche\u003c\/strong\u003e targets the highest APR first to usually minimize total interest. \u003cstrong\u003eSnowball\u003c\/strong\u003e targets the smallest balance first for faster visible wins. \u003cstrong\u003eCustom Priority\u003c\/strong\u003e lets you decide the exact order when your situation needs more flexibility.\u003c\/p\u003e\n\u003ch3\u003eWhat you receive\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eDebt payoff planner and dashboard\u003c\/li\u003e\n\u003cli\u003eLoan comparison calculator\u003c\/li\u003e\n\u003cli\u003eRefinance calculator\u003c\/li\u003e\n\u003cli\u003eBuilt-in instructions and strategy guide\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eEnter your numbers once. Get a plan you can actually follow.\u003c\/strong\u003e 📉➡️📈\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eThis is a digital product; no physical item will be shipped. Best used in Microsoft Excel. The currency selector changes workbook labels and does not perform live exchange-rate conversion. Results depend on the information entered and are provided for planning and educational purposes only, not as financial advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"CalcIt","offers":[{"title":"Default Title","offer_id":63007863767370,"sku":"CALCIT-DEBT-LOAN","price":186.0,"currency_code":"CZK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1069\/0835\/2842\/files\/calcit-debt-loan-toolkit.png?v=1787167388","url":"https:\/\/calcityourself.com\/products\/calcit-debt-loan-toolkit","provider":"CalcIt","version":"1.0","type":"link"}