Pay Off Debt or Invest Simulation   Excel template (XLSX)
$45.00

Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Log in to unlock full preview.
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Pay Off Debt or Invest Simulation (Excel template (XLSX)) Preview Image
Arrow   Click main image to view in full screen.

Pay Off Debt or Invest Simulation (Excel XLSX)

Excel (XLSX)

#1 in Debt $45.00
This financial model was crafted by a Financial Modeler and Accountant with over 10+ years of global experience. He has served 750+ clients, from small family offices to billion-dollar corporations, across a multitude of industries.
Add to Cart
  


Immediate download
Fully editable Excel
Free lifetime updates

VIDEO DEMO

DESCRIPTION

This product (Pay Off Debt or Invest Simulation) is an Excel template (XLSX), which you can download immediately upon purchase.

Deciding to pay off debt or invest will depend on a wide range of factors. This Excel template is designed to take into consideration as many factors as logically useful and give an answer as to the best possible outcome when deciding to put a fixed amount of money into various investments or pay down debt.

The model is designed to show side-by-side comparisons of what happens if all debt is paid off immediately or if the money is invested in something that yields a defined annual return and while the loans get paid off over time.

The final comparative number is the total net asset value at the end of a given year in the future (up to 42 years). What you will find is there will be a point in the future when the total value will be greater by paying off loans now, but that will depend on all the loan terms that exist, their balances, the amount you have to invest compared to that, and the investment rate of return.

You can model up to 5 loans in this all with their own balances / amortization terms. You can also choose up to 4 points in time in the future and view the ‘value' after that number of years has passed.

There is a monthly and annual comparison of doing either as well as visualizations to make the numbers much more digestible.

Also, there is a WACC tab for calculations in each period.

This is a personal finance tool. One of the most common and difficult decisions to make is if the money you have not is better spent on investments or to pay off current debts.

Normally, the decision is primarily going to revolve around your expected returns vs. the interest rate of the debt as well as the terms of each loan as well as uncertainty about the investment returns.

There are lots of factors to consider and sometimes these things are obvious without doing some financial analysis around the scenarios.

The template includes detailed monthly and annual projections, allowing for granular analysis of debt repayment versus investment growth. Visual aids and comparative charts simplify complex data, making it easier to identify the most financially advantageous strategy.

Got a question about the product? Email us at support@flevy.com or ask the author directly by using the "Ask the Author a Question" form. If you cannot view the preview above this document description, go here to view the large preview instead.

Source: Best Practices in Debt Excel: Pay Off Debt or Invest Simulation Excel (XLSX) Spreadsheet, Jason Varner | SmartHelping


$45.00
This financial model was crafted by a Financial Modeler and Accountant with over 10+ years of global experience. He has served 750+ clients, from small family offices to billion-dollar corporations, across a multitude of industries.
Add to Cart
  

ABOUT THE AUTHOR

Author image
Additional documents from author: 185
Terms of usage (for all documents from this author)

I graduated in 2011 with a Bachelor's degree in Accounting and began my career as a financial analyst at a small chain of auto repair shops. After gaining valuable experience, I launched my own practice specializing in real estate underwriting, later expanding into general business modeling.

I honed my spreadsheet modeling expertise by completing over 400 projects on Upwork with a 100% success ... [read more]

Ask the Author a Question

Must be logged in

Did you know?
The average daily rate of a McKinsey consultant is $6,625 (not including expenses). The average price of a Flevy document is $65.




Trusted by over 10,000+ Client Organizations
Since 2012, we have provided best practices to over 10,000 businesses and organizations of all sizes, from startups and small businesses to the Fortune 100, in over 130 countries.
AT&T GE Cisco Intel IBM Coke Dell Toyota HP Nike Samsung Microsoft Astrazeneca JP Morgan KPMG Walgreens Walmart 3M Kaiser Oracle SAP Google E&Y Volvo Bosch Merck Fedex Shell Amgen Eli Lilly Roche AIG Abbott Amazon PwC T-Mobile Broadcom Bayer Pearson Titleist ConEd Pfizer NTT Data Schwab




Read Customer Testimonials

 
"As a consultant requiring up to date and professional material that will be of value and use to my clients, I find Flevy a very reliable resource.

The variety and quality of material available through Flevy offers a very useful and commanding source for information. Using Flevy saves me time, enhances my expertise and ends up being a good decision."

– Dennis Gershowitz, Principal at DG Associates
 
"I have found Flevy to be an amazing resource and library of useful presentations for lean sigma, change management and so many other topics. This has reduced the time I need to spend on preparing for my performance consultation. The library is easily accessible and updates are regularly provided. A wealth of great information."

– Cynthia Howard RN, PhD, Executive Coach at Ei Leadership
 
"My FlevyPro subscription provides me with the most popular frameworks and decks in demand in today’s market. They not only augment my existing consulting and coaching offerings and delivery, but also keep me abreast of the latest trends, inspire new products and service offerings for my practice, and educate me "

– Bill Branson, Founder at Strategic Business Architects
 
"I like your product. I'm frequently designing PowerPoint presentations for my company and your product has given me so many great ideas on the use of charts, layouts, tools, and frameworks. I really think the templates are a valuable asset to the job."

– Roberto Fuentes Martinez, Senior Executive Director at Technology Transformation Advisory
 
"I am extremely grateful for the proactiveness and eagerness to help and I would gladly recommend the Flevy team if you are looking for data and toolkits to help you work through business solutions."

– Trevor Booth, Partner, Fast Forward Consulting
 
"Flevy is now a part of my business routine. I visit Flevy at least 3 times each month.

Flevy has become my preferred learning source, because what it provides is practical, current, and useful in this era where the business world is being rewritten.

In today's environment where there are so "

– Omar Hernán Montes Parra, CEO at Quantum SFE
 
"Last Sunday morning, I was diligently working on an important presentation for a client and found myself in need of additional content and suitable templates for various types of graphics. Flevy.com proved to be a treasure trove for both content and design at a reasonable price, considering the time I "

– M. E., Chief Commercial Officer, International Logistics Service Provider
 
"As a young consulting firm, requests for input from clients vary and it's sometimes impossible to provide expert solutions across a broad spectrum of requirements. That was before I discovered Flevy.com.

Through subscription to this invaluable site of a plethora of topics that are key and crucial to consulting, I "

– Nishi Singh, Strategist and MD at NSP Consultants


Your Recently Viewed Documents

Customers Also Bought These Documents


Customers Also Like These Documents

Related Management Topics


Debt Loans Integrated Financial Model Financial Analysis IPO Investment Banking

Download our FREE Strategy & Transformation Framework Templates

Download our free compilation of 50+ Strategy & Transformation slides and templates. Frameworks include McKinsey 7-S, Balanced Scorecard, Disruptive Innovation, BCG Curve, and many more.