Dark Mode Mortgage Calculator Spreadsheet | Amortization Schedule | Extra Payment Calculator | PITI and PMI | Google Sheets & Excel Template

DARK MODE EDITION — the same template with an easy-on-the-eyes dark design, perfect for night owls and screens.

See your real monthly house payment with this Mortgage Calculator and Amortization Schedule spreadsheet, plus how much interest and time extra payments can save you.

WHAT'S INSIDE

• Start Here: home price, down payment, rate, term, taxes, insurance, HOA, PMI and extra payment

• Dashboard: true monthly cost, total interest, payoff date, interest saved and when PMI stops

• Payment Schedule: every payment with interest, principal and balance

• Help & FAQ: PITI, PMI and extra payments explained

FEATURES

✔ True monthly cost (principal, interest, taxes, insurance, HOA, PMI)

✔ Full amortization table up to 40 years

✔ Extra principal: interest saved and years sooner

✔ Shows the month PMI ends

✔ 15, 20, 30 year or custom terms

✔ Change any number and everything updates

✔ Plain-English help for first-time buyers

HOW IT WORKS

1. Download the file and open it in Google Sheets or Excel (the PDF guide shows how).

2. Type the home price, down payment, rate and term in the yellow cells.

3. Add taxes and insurance, try extra payments and compare.

YOU WILL RECEIVE

✔ 1 .xlsx template file (blank, ready to use)

✔ 1 DEMO file with sample data, so you can see how it works

✔ 1 PDF guide: how to open it in Google Sheets (free) or Excel

PLEASE NOTE

✔ Digital product. Nothing physical will be shipped.

✔ Works in Google Sheets (free Google account) and Microsoft Excel 2016 or newer / Microsoft 365.

✔ Not compatible with Apple Numbers.

✔ Due to the digital nature, no returns. Message us for any help!

✔ For personal or own-business use only (no resale or sharing of the file).

✔ Estimates for planning, not financial advice. Your lender gives the official numbers.

Light version also available in our shop.