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ME, XP, Vista, Win. Mac OS X 1. 0. 8 Mountain Lion or older (NOT certified for 1. Mavericks at this time)Software Requirements: Excel 2. Windows); Excel 2. Mac)Other Requirements: Macros Enabled in Excel ! Lesson 1 Super Saving Common Sense for Your Dollars and Cents. Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University.![]() It will work on Macs; OS X 1. Mountain Lion or older, and Excel 2. OR Excel 2. 01. 1 for Mac required. Mac preferred. Also, the RPC is NOT certified for OS X 1. Mavericks at this time.)? He's now released his . Here's a quick batch of screenshots.. Here's more: If you're thinking to yourself, Wow, that's some serious spreadsheet action right there! It is! Spreadsheet Requires Excel 2. Later. Before we go much further, it's important to understand what this spreadsheet requires. Excel. Geek's Rapid Payoff Calculator isn't a stand- alone program. It's an Excel spreadsheet, which means it requires that you have Microsoft Excel (at least Excel 2. PC for it to operate. As far as operating system requirements, it should work on Windows 2. Mac Users: Yes, the RPC will work on Macs! Requirements are Mac OS X and Excel 2. Mac (versions earlier or later will not work). PC Users: To run the Rapid Payoff Calculator, you will need a computer with: At least Windows XP, and At least Excel 2. Macros enabled in Excel. It will work on Macs (OS X and Excel 2. Excel 2. 01. 1 for Mac required). By default, macros are disabled in Excel, but enabling them isn't difficult. You can find my step- by- step instructions for doing this at my How to Enable Macros in Excel page. Excel and Macros: Put simply, Excel utilizes a language called Visual Basic which allows users to create . They're used to build and rebuild the spreadsheet's formulas each time the spreadsheet opens, as well as to compress the file's size when it closes. Macros also automatically sort your data as you enter it. IYM Article: How to Enable Macros in Excel. Rapid Payoff Calculator Features. Here's a quick rundown of the Rapid Payoff Calculator's features: Builds your debt payoff plan with up to 1. Choice of four sorting options (by balance, by rate, etc.). Spreadsheet automatically ! Of this amount, Excel. Geek gets $8, and IYM gets $1. Following your electronic payment via Paypal, you'll be able to download the spreadsheet instantly. Here your Rapid Payoff plan will be structured with debts being paid in order from shortest to longest payoff. You can now change the sorting method, though! There are really two main schools of thought regarding debt payoffs. One camp believes debts should always be paid in order from highest to lowest interest rate; the other suggests that debts be paid from smallest to largest balance (or shortest to longest payoff time). This latter plan has gained ground in recent years, thanks to personal- finance personalities like Dave Ramsey and Mary Hunt. Getting rid of high- interest debts first may save more money compared to other plans, but Ramsey and Hunt firmly believe (and I agree) that your chances of becoming DEBT FREE increase dramatically when you can see yourself making progress — when you can quickly mark debts off of your list. Paying your debts in order of shortest to longest payoff (or smallest to largest balance) accomplishes this. Sometimes motivation is more important than math. This is one of those times. The Rapid Payoff Calculator was initially set up to mimic this: Your debts' balances are generally more important than their interest rates. NEW! Four Different Sorting Options. With Version 4 of the RPC, how you sort your debts is entirely up to you! Whether you're a follower of Dave Ramsey's Debt Snowball plan and want to pay off your debts from lowest to highest balance, or you're adhering to Mary Hunt's Rapid Debt Repayment Plan and attacking debts with lowest payoff times first .. Just select the RPC's . That guy's a nutcase.)Excel. Geeks Talks About the Rationale. Behind His RPCI asked Excel. Geek to talk a little bit about all the fancy number- crunching that his Rapid Payoff Calculator does. Here's what he had to say. For several years, my RPC has been successfully sorting debts using the shortest- to- longest- payoff method, which calculates a payoff order based on three factors: 1) the amount of debt; 2) the interest rate; and. To me, this strategy always seemed very logical, since it always pays off debts in the shortest- calculated order. 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