Invoice Templates by TotalSheets

We are too caught up in wanting stuff now, rather than saving up and buying stuff when we can afford it. These habits naturally lead to way too much debt, but with enough discipline and help, we believe anyone can get out of debt.

Our free debt reduction calculator, featured below, was designed to help individuals and the professionals that advise them to quickly and easily come up with a plan for eliminating debt. It may not be as easy to stick with the plan, but at least we can help you get started.



Auto Loan Calculator
Auto Loan Calculator

Use our free Auto Loan Calculator to estimate the overall cost of purchasing a car, including the sales price, sales tax, and the many charge[...]

Balloon Loan Calculator
Balloon Loan Calculator

A balloon loan or balloon mortgage payment is a payment in which you plan to pay off your auto or mortgage loan in a big chunk after a[...]

Debt Snowball Calculator
Debt Snowball Calculator

How fast can I get out of debt? How much can I save in interest payments? Use our Debt Reduction Calculator to help answer those quest[...]

Line of Credit Tracker
Line of Credit Tracker

Are you a small business owner or small-time lender wanting to track a line of credit? If you have tried our other line of credit calculator, you wi[...]

Loan Amortization Schedule
Loan Amortization Schedule

An amortization schedule is a list of payments for a mortgage or loan, which shows how each payment is applied to both the principal amount a[...]

Rental Property Cash Flow Analysis
Rental Property Cash Flow Analysis

This spreadsheet is for people who are thinking about purchasing rental property for the purpose of cash flow and leverage. It is a fairly basic wor[...]

Retirement Calculator
Retirement Calculator

How much of your salary do you need to save to reach your retirement goal? That is not a simple question to answer, but that is what this spreadshee[...]

Mortgage Payoff Calculator with Line of Credit
Mortgage Payoff Calculator with Line of Credit

Using a HELOC (Home Equity Line of Credit) or PLOC (Personal Line of Credit) to help payoff a mortgage is a technique touted by some a[...]