First off, thank you, @randy for another fantastic sheet! This will be a great tool for at-a-glance savings and debt tracking.

I have noticed a couple of issues with the debt tracking portion of the sheet. I discovered that if you have 0% interest debt accounts, the `REQ'D BUDGET`

formula in `Q6`

does not properly calculate the monthly payment for those accounts. I was able to resolve this by adding a check for 0 in the Interest column `M7:M`

inside the `ROUNDUP()`

function and adjusting the formula for cases of `M7:M=0`

to only divide the balance by the number of months remaining minus 1.

`={ "REQ'D BUDGET";arrayformula( if(isblank(L7:L)+ISBLANK(M7:M)+ISBLANK(N7:N)+(O7:O<=0), iferror(1/0), iferror( ROUNDUP( if(M7:M=0, O7:O/ (DATEDIF($AW$2,N7:N,"M")-1), O7:O* (M7:M/12*(1+M7:M/12)^DATEDIF($AW$2,N7:N,"M"))/ ((1+M7:M/12)^DATEDIF($AW$2,N7:N,"M")-1) ) ) ,0 ) ) ) }`

After correcting this error, I noticed another error in the `TOTAL COST R6`

formula. Unlike the `REQ'D BUDGET`

calculation, `TOTAL COST`

is using the number of months remaining rather than the number minus 1, which is adding an extra monthly payment to the cost. I was able to correct this by encapulating the `DATEDIFF()`

function and subtracting 1 from the result.

`={"TOTAL COST";arrayformula(if(isblank(Q7:Q),iferror(1/0),Q7:Q*(DATEDIF($AW$2,N7:N,"M")-1)))}`

Also regarding the `TOTAL COST`

column, itâ€™s not really an error, but I think that it would be more appropriately titled `REMAINING COST`

, as it seems this value will decrease with each successive period as the payoff date is reached. `TOTAL COST`

isnâ€™t a very useful metric since this is driven by the current-period balance and has no concept of the original balance, nor is it useful with revolving debt accounts. I think itâ€™s still useful to have both `BALANCE`

and `REMAINING COST`

, as they should be close to the same value, within a deviation of one monthly payment, but will understandably not always be equal since the remaining balance may not necessitate a full final monthly payment.

Iâ€™d love it if this could handle mortgages properly, but that will require some extra effort in order to account for the PITI breakdown. Iâ€™m working on a helper sheet that may be able to be used to feed the extra logic required. Stay tuned!