A Simple, Editable Spreadsheet for Personal Finance Clarity
Hello and welcome to another spreadsheet tutorial! Today, I’m sharing a practical Debt Consolidation Calculator I built in Google Sheets for personal use. If you’re managing multiple debts—credit cards, loans, or lines of credit—this tool helps you compare, plan, and simplify your repayment strategy.
Whether you're budgeting solo or guiding others through financial planning, this calculator is designed to be intuitive, editable, and easy to access.
📂 What’s Inside the Spreadsheet
The calculator is composed of three sheets:
Sheet1 – the main calculator interface
Consolidated Loan Payments Schedule – helper sheet
Current Debt Payments Schedule – helper sheet
These helper sheets work quietly behind the scenes to keep your main sheet clean and user-friendly.
✏️ How to Use It
On Sheet1, you’ll see some cells highlighted in yellow. These are the only cells you should edit—they’re designed for your input, such as:
Debt Name
Balance
Rate
$ Minimum
etc
All gray cells contain formulas and should not be edited. They automatically calculate totals, averages, and projections based on your entries.
The layout is intuitive and beginner-friendly. Just enter your debt details in the yellow cells, and the calculator will do the rest.
✅ What You Can Do With It
List and compare multiple debts
Calculate total balances and total interest
Simulate a consolidation loan with monthly payment estimates
Visualize savings with built-in formulas and summaries
This tool is ideal for personal budgeting, financial coaching, or preparing for a debt consolidation consultation.
🔗 How to Access the Spreadsheet from Etsy
If you purchased this calculator from my Etsy shop, here’s how to access it:
After checkout, download the PDF file provided by Etsy.
Open the PDF and click the Google Sheets link inside.
Go to File > Make a Copy to save your own editable version.
Start entering your debt details in the yellow-highlighted cells!
🛑 Please do not request access to edit the original file—just make your own copy.
Here is the link: https://digitalsheetcode.etsy.com/listing/1744097959/debt-consolidation-calculator-google
⚠️ Disclaimer
This calculator is for informational and educational purposes only. It does not constitute financial advice, and results may vary based on actual loan terms and individual circumstances. Please consult a qualified financial advisor before making any debt-related decisions.
