Mortgage Calculator Spreadsheet, Loan Amortization Schedule, Extra Payment Payoff, Mortgage Payoff Calculator, Excel Google Sheets

Mortgage Calculator Spreadsheet for Microsoft Excel and Google Sheets, instant digital download. See exactly what your loan costs and how much faster you can pay it off. This Mortgage & Loan Payoff Calculator shows your monthly payment, a full amortization schedule, and how extra payments cut years and interest off your loan. ✨ NOW INCLUDES 4 FILES: a SAMPLE version (filled in so you can see exactly how it works) and a BLANK version (cleared and ready for your own info), each in an Excel edition and a Google Sheets edition. ★ WHAT'S INCLUDED ★ • 13 tabs: Start Here, Dashboard, Calculator, Schedule, Yearly, Extra Payments, Refinance, Affordability, Rent vs Buy, Payment Log, Equity Tracker, Setup, Guide & FAQ • Clickable Start Here cover page with quick-start steps and a color key (yellow = you type) • Mortgage Dashboard: monthly payment, balance today, home equity, interest saved, debt-free date, % paid off, PMI end date, loan-to-value and more, with progress bars, status checks and 4 charts • Payoff Calculator: principal & interest plus property tax, home insurance, PMI and HOA for your full monthly payment • PMI drops off automatically when your balance reaches 78% of the price (you can change this) • Full amortization schedule: every payment for loans up to 40 years, with interest, principal, extra payments, escrow, PMI and running balance • Extra payments 3 ways: a monthly extra, a yearly extra in the month you choose, and up to 25 one-time lump sums • Interest saved, time saved and your new payoff date, compared with the original loan • Compare 6 payoff scenarios side by side (including biweekly) plus a "debt-free by a target year" calculator • Yearly summary: interest, principal, extra and escrow paid each year, balance vs the original loan • Refinance comparison: up to 3 offers with closing costs, points, break-even months, lifetime savings and a verdict • Affordability calculator: max home price by budget profile (25/33, 28/36, 31/43) and by interest rate, plus a check for any home price • Rent vs Buy: 30-year year-by-year comparison including home growth, equity, selling costs and what your cash could earn • Payment Log (360 rows): log real payments and see interest, principal, your true balance and whether you're ahead of schedule • Equity Tracker: log your home value, track equity % and loan-to-value, and see a 30-year equity projection with milestones • 14 charts built in, drop-down lists, and a Guide & FAQ tab • Works for car loans, student loans and personal loans too • Sample data version + blank ready-to-use version (Excel + Google Sheets) ★ WORKS FOR ★ ✓ Mortgages and refinancing ✓ Car loans and auto financing ✓ Student loans and personal loans ★ COMPATIBILITY ★ • Microsoft Excel (desktop, Mac, web) • Google Sheets (upload to Google Drive and open with Google Sheets) • Not designed for Apple Numbers ★ HOW IT WORKS ★ 1. Purchase and download the .xlsx file instantly 2. Enter your loan amount, rate, term and start date 3. Add e