Loan & Mortgage Calculator (Excel)

See what your loan really costs.

Your monthly payment, the full amortization schedule, and exactly how much paying extra saves you in interest and time. For mortgages, car loans, and more. No macros.

WHAT IT DOES

• Monthly payment (PMT) plus property tax and insurance

• Full amortization schedule, up to 40 years

• Extra every month and a one-off lump sum

• Interest saved, time saved and new payoff date

• Year-by-year interest and principal

• Balance chart, with and without extras

• Compare 3 loans side by side

• Works for mortgages, car loans, student loans, and personal loans

• Fixed-rate loans from 1 to 40 years

WHO IT'S FOR

Homeowners, home buyers, and anyone with a car, student, or personal loan. A calculator, not financial advice.

GOOD TO KNOW

• Works in Microsoft Excel: Microsoft 365, Excel 2010 or later on Windows, and Excel for Mac

• Normal .xlsx file: no macros to enable

• One-off payment, instant download

Made by Lee at Sheet Leveller, whose tutorials have been watched 6.3 million times on YouTube.