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Excel и Google Sheets · Excel 2016+ · Google Sheets

Mortgage & Loan Payoff Calculator

See exactly what an extra payment is worth: five loans, full 360-payment schedules, and extra-payment, biweekly, refinance and lump-sum comparisons in one Excel / Google Sheets file.

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  • 15 листов · 31357 формул
  • Форматы: .xlsx (Excel 2016+, Google Sheets) + PDF guide
  • ZIP: 438 KB
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Подробное описание товара пока на английском.

Most payoff calculators give you one amortisation table and leave you to guess. This one answers the question you actually have: what happens if I pay a bit more? Put in up to five loans — mortgage, car, student, credit card, personal — and the workbook builds a full 360-payment schedule for each, runs the same loan again with no extra payments, and shows you the gap between the two.

Four separate sheets price the four real ways to finish early. Extra Payment What-If runs your loan eight times at eight different extra amounts — eight complete schedules, no goal-seek and no macros — so you can see the payoff date and total interest for $25, $50, $100 and up. Biweekly vs Monthly prices the thirteen-payments-a-year trick and tells you when it is not worth paying a lender for. Refinance Comparison gives you the break-even month for the closing costs and the lifetime cost, which is where a lower monthly payment over a longer term gets caught. Lump Sum Impact tests the same windfall at year 1, 3, 5 and 10.

Everything is built on one interest convention held across all 15 sheets — monthly rate = APR ÷ 12, interest on the opening balance, PMT for the scheduled payment, final payment trimmed to land exactly on zero — so the comparisons are like for like. Every schedule was checked against an independently written Python model before release: payment, payoff month, total interest and interest saved all match. On the sample mortgage ($320,000 at 6.25% over 30 years) an extra $250 a month clears the loan 92 months early and saves $115,679 in interest.

It ships pre-filled with five realistic loans so every chart and schedule is alive when you open it — clear the yellow cells in about a minute and make it yours. Built only with functions Google Sheets supports (PMT, EDATE, INDEX/MATCH, SUMIF, CHOOSE), so it behaves identically in Excel 2016+, Excel 365 and Google Sheets, on desktop and phone.

Что вы получите

  • 15 sheets, 31,357 formulas — no macros, no add-ons, nothing locked
  • Up to 5 loans at once, each with a full 360-payment amortisation schedule
  • Every schedule runs twice — with your extra payments and without — so "interest saved" and "months saved" are real, not estimated
  • Extra Payment What-If: eight extra amounts, eight complete schedules, payoff date and interest for each
  • Biweekly vs Monthly: what 13 payments a year is worth, and how to get the same result free
  • Refinance Comparison: new payment, break-even month for the fees, and the lifetime cost trap
  • Lump Sum Impact: the same windfall tested at year 1, 3, 5 and 10
  • Dashboard with 8 KPIs (payment, debt-free date, months saved, interest saved, total interest, total cost, home equity, owed today) and 4 charts
  • Payoff Tracker: a 100-block map showing the payment number you clear every 1% on, plus ten milestone dates
  • 120-row Payment Log, one-off extra payments, any currency symbol, Google Sheets instructions PDF included

Посмотреть все страницы

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All pages of Mortgage & Loan Payoff Calculator

Что внутри

Start HereSetup steps, colour legend, what every sheet does, and what to check before you overpay a loan.
SettingsCurrency symbol, today's date, home value for the equity figure, which loan the comparison sheets follow, the eight extra amounts to test and the lump-sum timings.
Dashboard8 KPIs, four charts (balance with and without extra, principal vs interest per year, interest saved by extra amount, where your monthly payment goes), a loan-by-loan table, a 30-year year-by-year table and a "four ways to finish early" summary.
Loan InputsFive loans: name, type, original amount, balance today, APR, term, first payment date, extra monthly and a one-off extra with its date. Returns the scheduled payment, payments left, payoff date, total interest, interest saved and months saved — plus which loan the avalanche and snowball methods each pick.
Amortisation Loan 1–5One sheet per loan: 360 rows of payment number, date, opening balance, payment, interest, principal, extra, closing balance and cumulative interest, with the same loan run alongside at no extra payments.
Extra Payment What-IfThe focus loan run eight times at eight extra amounts. Payments left, years and months, payoff date, total interest, interest saved, months saved and interest saved per dollar of extra.
Biweekly vs MonthlyPayment, payments per year, paid per year, effective extra per month, payments left, payoff date, total interest and total paid — side by side, with what changes spelled out in words.
Refinance ComparisonType in the new APR, term and closing costs. Get the new payment, monthly saving, break-even month, both payoff dates, both total interest figures and the lifetime cost including fees.
Lump Sum ImpactOne lump sum tested at four timings: payments left, payoff date, total interest, interest saved, months saved and interest saved per dollar of the lump sum.
Payment Log120 rows: date, loan (dropdown), the scheduled amount pulled automatically, what you actually paid, how much was above schedule, method and notes, with a running total.
Payoff TrackerA 100-block grid where each block is 1% of the balance and shows the payment number you clear it on, shaded by distance, plus a milestone table of dates for every 10%.

Вопросы

Does it work in Google Sheets?

Yes. Upload the .xlsx to Google Drive, open it and choose File → Save as Google Sheets. Every formula uses functions Sheets supports — PMT, EDATE, INDEX/MATCH, SUMIF, COUNTIF, CHOOSE, ROUND. There are no macros, no XLOOKUP and no dynamic arrays. It is a large file (five 360-row schedules), so the first open in Sheets can take fifteen or twenty seconds; after that it is quick. The included PDF walks you through it.

Will the numbers match my lender exactly?

Very closely, but expect small differences. The workbook uses the standard monthly convention: monthly rate = APR ÷ 12, interest = opening balance × that rate, rounded to the cent. Many lenders accrue interest daily instead, which typically shifts a thirty-year total by a few dollars and never changes the conclusions. Use it to compare options, not to reconcile a statement to the penny.

My mortgage payment includes escrow and insurance. What do I enter?

Enter only the principal-and-interest part. Escrow for property tax and insurance is collected alongside the loan payment but never touches the balance, so including it would make the payoff look faster than it is. Your statement usually breaks the two apart.

I am ten years into my loan. Does that work?

Yes — that is the normal case. Enter the original amount and original term (which is what sets your scheduled payment) plus the balance you owe today. The schedule starts from today's balance, so it finishes in the time you actually have left, not the original thirty years.

What if I have fewer than five loans?

Leave the spare rows on Loan Inputs blank. Their amortisation sheets stay empty, the totals ignore them and nothing breaks. There is no way to add a sixth loan without restructuring the file — email us and we will send you an extended version free.

Is it really sample data I can delete?

Yes. Five loans for a fictional household are pre-filled in the yellow input cells only, so the charts and schedules work the moment you open the file. Select A6:J10 on Loan Inputs and press Delete, then A7:G18 on the Payment Log. Formulas, dropdowns and charts stay intact. The PDF lists every range.

Does it handle a lump sum, or only monthly overpayments?

Both. Each loan on Loan Inputs takes a one-off extra payment with a date alongside its monthly extra, and the Lump Sum Impact sheet tests the same windfall at four different timings so you can see how much the date matters.

Is this financial advice?

No. It is a calculator. It cannot know about early-repayment penalties in your loan agreement, an employer pension match you are missing, or whether you would be better off investing the money. Check those before you overpay anything.

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