Pay Off Sooner
Free Mortgage and Debt Repayment Downloads
Download free mortgage overpayment planners, ERC checklists, loan settlement sheets, credit card trackers, and debt payoff worksheets.
14 files available without an email address
- Mortgage Overpayment 12-Month Planner (XLSX) - Plan monthly overpayments, record what actually left your account, track the running total, and see the unused allowance remaining.
- Mortgage Overpayment Allowance Tracker (XLSX) - Calculate a stated percentage allowance, deduct payments already made, estimate any excess, and keep a dated evidence log.
- Lump Sum vs Monthly Overpayment Comparison (XLSX) - Compare how much cash is applied and retained under a lump-sum plan and a monthly plan, with practical decision checks.
- Mortgage ERC Evidence Checklist (PDF) - A print-ready checklist for collecting the statement, product terms, allowance wording, payment history, charge rate, and deal end date.
- Mortgage Lender Questions Before Overpaying (PDF) - Twelve precise questions covering allowance basis, reset date, payment application, interest recalculation, ERCs, and proof of balance reduction.
- Personal Loan Settlement Comparison (XLSX) - Compare an official settlement figure with remaining scheduled payments, fees, cash retained, and the quote expiry date.
- Loan Settlement Call Notes Sheet (PDF) - Capture the official quote, expiry date, fee breakdown, payment instructions, reference, and closure confirmation in one place.
- Car Finance Early Settlement Checklist (PDF) - Check agreement type, optional final payment, settlement expiry, title transfer, fees, and the difference between partial overpayment and full settlement.
- Credit Card Fixed-Payment Tracker (XLSX) - Track opening balance, interest charged, fixed payment, new spending, extra payments, and the closing balance for twelve months.
- Credit Card Repayment Reset Plan (PDF) - A seven-step worksheet covering balance freeze, true APR and due date, essential spending, fixed payment, automation, new spending, and monthly review.
- Debt Avalanche Priority Planner (XLSX) - List balances, APRs, minimums, and extra payments. The sheet ranks accounts by highest APR and totals the monthly commitment.
- Debt Snowball Motivation Tracker (XLSX) - Rank debts by smallest starting balance, record rolled payments, mark cleared dates, and calculate the percentage of starting debt removed.
- Household Repayment Capacity Review (XLSX) - Add reliable household income and essential commitments, retain a safety margin, and stress-test the amount available for extra repayments.
- Annual Debt Payoff Review (PDF) - Compare opening and closing balances, interest and fees, APR changes, household changes, and the next twelve-month priority.
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