Rent-to-Own Deal Tracker

A rent-to-own deal runs on two clocks at once: credits banking month by month, and an option deadline that does not move. This tracker watches both — what the tenant has banked, what exercising would cost today, what walking away would forfeit, and whether the deal is still on pace while there is time to fix it.

The sample deal (a $285,000 home, $10,000 option fee, $300 of each $1,650 rent payment banking as credit) is 14 months into a 36-month option: $4,200 of rent credits plus the full option-fee credit make $14,200 toward the price, a $270,800 balance if exercised today, $27,200 of equity (9.1% of value), credits tracking the clock at exactly 38.9% — and a warning that matters: with 1 late payment logged, the tenant is ONE late month from the credit-void line in the example settings. The Credit Schedule maps all 36 months so the March 1, 2029 expiry can never sneak up.

What it does for you:
– Tracks rent credits banked, option-fee credit and the total credited toward the exercise price
– Prices both endings honestly: balance due at exercise (today and projected) vs credits forfeited on a walk-away
– Lays out a month-by-month credit schedule with Banked / Current / Upcoming status and the gliding balance
– Verdicts for pace (on/ahead/behind the clock), late-payment credit risk and equity vs your target
– Adds a deal expense log, zero-based monthly budget, dashboard and 12-month summary

What’s inside (.xlsx, works in Excel AND Google Sheets):
– Start Here — setup steps + EXAMPLE deal settings (fee credit %, forfeit %, late-payment void count, equity target)
– Deal Tracker — inputs, today’s position, exercise vs walk-away outcomes, pace and risk verdicts
– Credit Schedule — all 36 months: credit, cumulative credit, balance still due, status
– Expense Log, Monthly Budget, Dashboard, Monthly Summary

Instant download. Type only in the yellow cells — formula cells are locked (password: sheetdaily, disclosed on the Start Here tab). IMPORTANT: the credit, forfeit and late-payment settings are EXAMPLES — the real terms live in YOUR signed agreement and your state/province law. Replace the settings with your contract’s actual terms and have a real-estate lawyer confirm them before acting on any verdict. Tracking tool only — not legal, tax or financial advice.