Debt Repayment Calculator

Act as a specialist consultant.

Here is the improved business prompt template, designed for maximum clarity, persuasiveness, and results while retaining the exact structure and variables:

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**Objective:** I need an efficient, actionable financial tool to accelerate debt repayment.

I have **[Number of Debts | number]** distinct debts that require immediate payoff prioritization.

Create a comprehensive **'Debt Snowball' Debt Repayment Accelerator Tracker.**

**Required Columns (for maximum strategic clarity):**

| Column Name | Purpose |
| :--- | :--- |
| Creditor Name | Clear identification of the liability. |
| Total Balance Due | The precise principal amount outstanding. |
| Interest Rate (APR) | Annual percentage rate influencing payoff speed. |
| Minimum Scheduled Payment | The fixed payment required monthly by the creditor. |
| **Planned Aggressive Extra Payment** | The strategic amount added above the minimum to crush the debt faster (the 'snowball' contribution). |
| **Projected Months to Pay Off (Formula Driven)** | The critical metric showing the precise time to zero balance under this payment strategy. |

**Required Actions (Deliverables):**

1. **Actionable Layout:** Present the finalized table structure incorporating all the columns listed above, ready for immediate data entry.
2. **Core Calculation Engine:** Provide the exact **NPER function syntax (for Microsoft Excel/Google Sheets)** required to accurately estimate the 'Months to Pay Off' column, utilizing the balance, periodic interest rate derived from the APR, and the total proposed monthly payment (Minimum Payment + Planned Extra Payment).

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