Loan & Mortgage Amortization Calculator Spreadsheet with Extra Payments | Google Sheets & Excel Template

See every payment of your mortgage, auto or personal loan and how much interest an extra monthly payment can save.

What's inside

• Loan setup: principal, interest rate, term, first payment date and extra monthly payment
• Monthly payment calculated with PMT, plus optional property tax, insurance and HOA
• Full amortization schedule up to 480 payments with a column for one-time extra payments
• Interest saved, months saved and the new payoff date vs. the original
• What-if table for 0 to 1,000 dollars extra per month
• Yearly summary of interest vs. principal with a chart
• Loan Compare tab for up to 20 lender offers incl. points and fees
• Dashboard with KPI tiles and a balance chart with vs. without extra payments

Perfect for

Homeowners, home buyers and anyone with a car or personal loan who wants to see the real cost and a faster payoff. A planning tool, not financial advice — results are estimates based on the numbers you enter.

What you get

• One .xlsx file with 6 tabs that works in Microsoft Excel 2016+ and Google Sheets
• A quick-start PDF guide
• A built-in Start Here tab with step-by-step instructions and example data you can clear

How it works

1. Buy the template.
2. Get your instant download link on the order confirmation page and in your email.
3. Open the .xlsx in Excel, or upload it to Google Drive and open it with Google Sheets.

Digital product — no physical item will be shipped. Personal use only.
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