I've tried the existing Debt Avalance spreadsheets around on the internet and they are too inflexible and/or too limiting in the number of debts that can be entered. My wife and I have more than 10 debt accounts from school, personal, and small business obligations. What would be some useful functions in an excel spreadsheet (newest excel) that I can enter an extra monthly payment amount and maybe one time larger payments throughout the schedule? Main outputs would be expected payoff date, and total expected payed off amount.