{"product_id":"debt-payoff-decision-lab","title":"Debt Payoff Decision Lab","description":"\u003cp\u003e\u003cstrong\u003eCompare the payoff order before you commit to it.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eModel minimum-only, snowball, avalanche, and custom fixed-rate debt scenarios - then record the method you choose. Now includes the double-click app; the editable Excel workbook is still included. No macros, bank connection, lender connection, telemetry, or credential fields.\u003c\/p\u003e\u003ch3\u003eWhat's included\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eDouble-click local app\u003c\/strong\u003e - the same guided inputs, four-scenario comparison, transparent schedules, checks, and decision record in one file that opens in your web browser. No install, no account, and no internet connection needed.\u003c\/li\u003e\n\u003cli\u003eExcel comparison workbook - guided inputs, four scenario summaries, transparent schedules, checks, and decision record.\u003c\/li\u003e\n\u003cli\u003eStart Here PDF - fit criteria, quick start, calculation order, limitations, and creditor-verification checklist.\u003c\/li\u003e\n\u003cli\u003eFictional Example PDF - demonstrates the product's output form without personal guidance.\u003c\/li\u003e\n\u003cli\u003eBuyer terms - personal-use license, store-policy refund language, support privacy guidance, and manifest.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eHow it works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003eRead Start Here and complete the fit check.\u003c\/li\u003e\n\u003cli\u003eReplace fictional values with short aliases and verified fixed-rate assumptions.\u003c\/li\u003e\n\u003cli\u003eEnter a base extra amount and, optionally, one future change.\u003c\/li\u003e\n\u003cli\u003eCompare the four modeled rows and inspect Checks.\u003c\/li\u003e\n\u003cli\u003eVerify current creditor terms and payoff amounts.\u003c\/li\u003e\n\u003cli\u003eRecord only the plan you select and set a future review date.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eWho it is for\u003c\/h3\u003e\u003cp\u003eAdults who are current on payments and can make every stated minimum, comparing fixed-rate payoff orders in a local tool with visible schedules.\u003c\/p\u003e\u003ch3\u003eWho it is not for\u003c\/h3\u003e\u003cp\u003eInability to make minimums, delinquency, default, or collections; settlement, bankruptcy, credit repair, stop-payment, consolidation\/refinancing, or provider-selection decisions; variable APR, promotional-rate, fee\/penalty, or exact daily-compounding modeling; anyone seeking a lender payoff quote, strategy recommendation, or certainty about results.\u003c\/p\u003e\u003ch3\u003eRequirements and limitations\u003c\/h3\u003e\u003cp\u003eThe app runs in a current desktop web browser and makes no network requests. The workbook requires a current desktop version of Microsoft Excel; Google Sheets, Excel for web, Apple Numbers, and other spreadsheet apps are not supported or certified. Formula cells are visible and not protected; keep an untouched backup. Interest is modeled once per month as fixed APR divided by 12. Results are approximate educational scenarios, not lender statements or payoff quotes. For educational and planning purposes only; not financial, investment, tax, or legal advice.\u003c\/p\u003e\u003ch3\u003eLicense\u003c\/h3\u003e\u003cp\u003ePersonal use license. Refunds follow the Everstack Studio refund policy displayed at purchase. Version 1.x corrections or maintenance updates may be issued; no update schedule or future-platform compatibility is promised.\u003c\/p\u003e","brand":"Everstack Studio","offers":[{"title":"Default Title","offer_id":53964078153839,"sku":"EFM-DEBT-LAB-V1","price":24.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0740\/1501\/5023\/files\/debt-lab-hero-comparison_8d3e80be-8fec-4e77-90f5-ca5fe963a76b.png?v=1787452207","url":"https:\/\/shop.everstackstudio.com\/products\/debt-payoff-decision-lab","provider":"Everstack Studio","version":"1.0","type":"link"}