{"product_id":"credit-card-payoff-utilization-spreadsheet","title":"Credit Card Payoff \u0026 Utilization Tracker Spreadsheet | Google Sheets \u0026 Excel Template","description":"\u003cp\u003eSee every card's utilization at a glance, choose a payoff order and follow the month-by-month plan to a $0 balance.\u003c\/p\u003e\u003ch3\u003eWhat's inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eCards table: limit, balance, APR and minimum payment for each card\u003c\/li\u003e\n\u003cli\u003eUtilization % per card and overall, with amber and red thresholds you can change\u003c\/li\u003e\n\u003cli\u003eExtra monthly payment input and an automatic payoff priority\u003c\/li\u003e\n\u003cli\u003eMonth-by-month payoff schedule with interest per card and optional one-time extra payments\u003c\/li\u003e\n\u003cli\u003eTotal interest paid and an estimated payoff date per card and overall\u003c\/li\u003e\n\u003cli\u003ePayments Log with 300 rows\u003c\/li\u003e\n\u003cli\u003eDashboard with KPI tiles, utilization by card, payoff order and a balance chart\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003ePerfect for\u003c\/h3\u003e\u003cp\u003eAnyone paying down credit cards who wants to watch utilization fall and know the payoff date. A planning tool, not financial advice — results are estimates based on the numbers you enter.\u003c\/p\u003e\u003ch3\u003eWhat you get\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eOne .xlsx file with 5 tabs that works in Microsoft Excel 2016+ and Google Sheets\u003c\/li\u003e\n\u003cli\u003eA quick-start PDF guide\u003c\/li\u003e\n\u003cli\u003eA built-in Start Here tab with step-by-step instructions and example data you can clear\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eBuy the template.\u003c\/li\u003e\n\u003cli\u003eGet your instant download link on the order confirmation page and in your email.\u003c\/li\u003e\n\u003cli\u003eOpen the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.\u003c\/li\u003e\n\u003c\/ol\u003e\u003cp\u003e\u003cem\u003eDigital product — no physical item will be shipped. Personal use only.\u003cbr\u003eeverything4notion is not affiliated with Notion Labs, Inc., Google or Microsoft.\u003c\/em\u003e\u003c\/p\u003e","brand":"everything4notion","offers":[{"title":"Default Title","offer_id":53554821267768,"sku":"S42","price":2.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1022\/4009\/2472\/files\/S42_1.jpg?v=1792818501","url":"https:\/\/everything4notion.myshopify.com\/products\/credit-card-payoff-utilization-spreadsheet","provider":"Everything4Notion","version":"1.0","type":"link"}