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Loan Amortization Schedule

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Loan Information
Loan Amount
Annual Interest Rate
Term of Loan in Years
First Payment Date
Payment Frequency
Compound Period
Payment Type
Rounding
Monthly Payment

100,000.00
7.00%
15
1/1/2016
Monthly

2008-2016 Vertex42 LLC

Summary
Rate (per period)
Number of Payments
Total Payments
Total Interest
Est. Interest Savings

Monthly
End of Period

0.583%
180
161,788.73
61,788.73
0.36
.
.

About This Worksheet


This spreadsheet creates an amortization schedule for a
fixed-rate loan, with optional extra payments. See the
Help worksheet for more details. Edit cells within gray
borders.

An unlocked commercial version of this template is


available:
Purchase the Unlocked Version

On

898.83
[42]

Amortization Schedule
No.

Due Date

Payment

1/1/16

Additional
Payment

Interest

Principal

Balance

898.83

583.33

315.50

99,684.50

2/1/16

898.83

581.49

317.34

99,367.16

3/1/16

898.83

579.64

319.19

99,047.97

4/1/16

898.83

577.78

321.05

98,726.92

5/1/16

898.83

575.91

322.92

98,404.00

6/1/16

898.83

574.02

324.81

98,079.19

7/1/16

898.83

572.13

326.70

97,752.49

8/1/16

898.83

570.22

328.61

97,423.88

9/1/16

898.83

568.31

330.52

97,093.36

10

10/1/16

898.83

566.38

332.45

96,760.91

11

11/1/16

898.83

564.44

334.39

96,426.52

12

12/1/16

898.83

562.49

336.34

96,090.18

13

1/1/17

898.83

560.53

338.30

95,751.88

14

2/1/17

898.83

558.55

340.28

95,411.60

15

3/1/17

898.83

556.57

342.26

95,069.34

16

4/1/17

898.83

554.57

344.26

94,725.08

17

5/1/17

898.83

552.56

346.27

94,378.81

18

6/1/17

898.83

550.54

348.29

94,030.52

19

7/1/17

898.83

548.51

350.32

93,680.20

20

8/1/17

898.83

546.47

352.36

93,327.84

21

9/1/17

898.83

544.41

354.42

92,973.42

22

10/1/17

898.83

542.34

356.49

92,616.93

23

11/1/17

898.83

540.27

358.56

92,258.37

24

12/1/17

898.83

538.17

360.66

91,897.71

25

1/1/18

898.83

536.07

362.76

91,534.95

26

2/1/18

898.83

533.95

364.88

91,170.07

27

3/1/18

898.83

531.83

367.00

90,803.07

28

4/1/18

898.83

529.68

369.15

90,433.92

29

5/1/18

898.83

527.53

371.30

90,062.62

30

6/1/18

898.83

525.37

373.46

89,689.16

31

7/1/18

898.83

523.19

375.64

89,313.52

32

8/1/18

898.83

521.00

377.83

88,935.69

33

9/1/18

898.83

518.79

380.04

88,555.65

34

10/1/18

898.83

516.57

382.26

88,173.39

35

11/1/18

898.83

514.34

384.49

87,788.90

36

12/1/18

898.83

512.10

386.73

87,402.17

37

1/1/19

898.83

509.85

388.98

87,013.19

38

2/1/19

898.83

507.58

391.25

86,621.94

39

3/1/19

898.83

505.29

393.54

86,228.40

40

4/1/19

898.83

503.00

395.83

85,832.57

41

5/1/19

898.83

500.69

398.14

85,434.43

42

6/1/19

898.83

498.37

400.46

85,033.97

43

7/1/19

898.83

496.03

402.80

84,631.17

44

8/1/19

898.83

493.68

405.15

84,226.02

45

9/1/19

898.83

491.32

407.51

83,818.51

46

10/1/19

898.83

488.94

409.89

83,408.62

47

11/1/19

898.83

486.55

412.28

82,996.34

48

12/1/19

898.83

484.15

414.68

82,581.66

49

1/1/20

898.83

481.73

417.10

82,164.56

50

2/1/20

898.83

479.29

419.54

81,745.02

51

3/1/20

898.83

476.85

421.98

81,323.04

52

4/1/20

898.83

474.38

424.45

80,898.59

53

5/1/20

898.83

471.91

426.92

80,471.67

54

6/1/20

898.83

469.42

429.41

80,042.26

55

7/1/20

898.83

466.91

431.92

79,610.34

56

8/1/20

898.83

464.39

434.44

79,175.90

57

9/1/20

898.83

461.86

436.97

78,738.93

58

10/1/20

898.83

459.31

439.52

78,299.41

59

11/1/20

898.83

456.75

442.08

77,857.33

60

12/1/20

898.83

454.17

444.66

77,412.67

61

1/1/21

898.83

451.57

447.26

76,965.41

62

2/1/21

898.83

448.96

449.87

76,515.54

63

3/1/21

898.83

446.34

452.49

76,063.05

100,000.00

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 1 of 25

No.

Additional
Payment

Due Date

Payment

Interest

Principal

Balance

64

4/1/21

898.83

443.70

455.13

75,607.92

65

5/1/21

898.83

441.05

457.78

75,150.14

66

6/1/21

898.83

438.38

460.45

74,689.69

67

7/1/21

898.83

435.69

463.14

74,226.55

68

8/1/21

898.83

432.99

465.84

73,760.71

69

9/1/21

898.83

430.27

468.56

73,292.15

70

10/1/21

898.83

427.54

471.29

72,820.86

71

11/1/21

898.83

424.79

474.04

72,346.82

72

12/1/21

898.83

422.02

476.81

71,870.01

73

1/1/22

898.83

419.24

479.59

71,390.42

74

2/1/22

898.83

416.44

482.39

70,908.03

75

3/1/22

898.83

413.63

485.20

70,422.83

76

4/1/22

898.83

410.80

488.03

69,934.80

77

5/1/22

898.83

407.95

490.88

69,443.92

78

6/1/22

898.83

405.09

493.74

68,950.18

79

7/1/22

898.83

402.21

496.62

68,453.56

80

8/1/22

898.83

399.31

499.52

67,954.04

81

9/1/22

898.83

396.40

502.43

67,451.61

82

10/1/22

898.83

393.47

505.36

66,946.25

83

11/1/22

898.83

390.52

508.31

66,437.94

84

12/1/22

898.83

387.55

511.28

65,926.66

85

1/1/23

898.83

384.57

514.26

65,412.40

86

2/1/23

898.83

381.57

517.26

64,895.14

87

3/1/23

898.83

378.55

520.28

64,374.86

88

4/1/23

898.83

375.52

523.31

63,851.55

89

5/1/23

898.83

372.47

526.36

63,325.19

90

6/1/23

898.83

369.40

529.43

62,795.76

91

7/1/23

898.83

366.31

532.52

62,263.24

92

8/1/23

898.83

363.20

535.63

61,727.61

93

9/1/23

898.83

360.08

538.75

61,188.86

94

10/1/23

898.83

356.94

541.89

60,646.97

95

11/1/23

898.83

353.77

545.06

60,101.91

96

12/1/23

898.83

350.59

548.24

59,553.67

97

1/1/24

898.83

347.40

551.43

59,002.24

98

2/1/24

898.83

344.18

554.65

58,447.59

99

3/1/24

898.83

340.94

557.89

57,889.70

100

4/1/24

898.83

337.69

561.14

57,328.56

101

5/1/24

898.83

334.42

564.41

56,764.15

102

6/1/24

898.83

331.12

567.71

56,196.44

103

7/1/24

898.83

327.81

571.02

55,625.42

104

8/1/24

898.83

324.48

574.35

55,051.07

105

9/1/24

898.83

321.13

577.70

54,473.37

106

10/1/24

898.83

317.76

581.07

53,892.30

107

11/1/24

898.83

314.37

584.46

53,307.84

108

12/1/24

898.83

310.96

587.87

52,719.97

109

1/1/25

898.83

307.53

591.30

52,128.67

110

2/1/25

898.83

304.08

594.75

51,533.92

111

3/1/25

898.83

300.61

598.22

50,935.70

112

4/1/25

898.83

297.12

601.71

50,333.99

113

5/1/25

898.83

293.61

605.22

49,728.77

114

6/1/25

898.83

290.08

608.75

49,120.02

115

7/1/25

898.83

286.53

612.30

48,507.72

116

8/1/25

898.83

282.96

615.87

47,891.85

117

9/1/25

898.83

279.37

619.46

47,272.39

118

10/1/25

898.83

275.76

623.07

46,649.32

119

11/1/25

898.83

272.12

626.71

46,022.61

120

12/1/25

898.83

268.47

630.36

45,392.25

121

1/1/26

898.83

264.79

634.04

44,758.21

122

2/1/26

898.83

261.09

637.74

44,120.47

123

3/1/26

898.83

257.37

641.46

43,479.01

124

4/1/26

898.83

253.63

645.20

42,833.81

125

5/1/26

898.83

249.86

648.97

42,184.84

126

6/1/26

898.83

246.08

652.75

41,532.09

127

7/1/26

898.83

242.27

656.56

40,875.53

128

8/1/26

898.83

238.44

660.39

40,215.14

129

9/1/26

898.83

234.59

664.24

39,550.90

130

10/1/26

898.83

230.71

668.12

38,882.78

131

11/1/26

898.83

226.82

672.01

38,210.77

132

12/1/26

898.83

222.90

675.93

37,534.84

133

1/1/27

898.83

218.95

679.88

36,854.96

134

2/1/27

898.83

214.99

683.84

36,171.12

135

3/1/27

898.83

211.00

687.83

35,483.29

136

4/1/27

898.83

206.99

691.84

34,791.45

137

5/1/27

898.83

202.95

695.88

34,095.57

138

6/1/27

898.83

198.89

699.94

33,395.63

139

7/1/27

898.83

194.81

704.02

32,691.61

140

8/1/27

898.83

190.70

708.13

31,983.48

141

9/1/27

898.83

186.57

712.26

31,271.22

142

10/1/27

898.83

182.42

716.41

30,554.81

143

11/1/27

898.83

178.24

720.59

29,834.22

144

12/1/27

898.83

174.03

724.80

29,109.42

145

1/1/28

898.83

169.80

729.03

28,380.39

146

2/1/28

898.83

165.55

733.28

27,647.11

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 2 of 25

Additional
Payment

No.

Due Date

Payment

Interest

Principal

Balance

147

3/1/28

898.83

161.27

737.56

26,909.55

148

4/1/28

898.83

156.97

741.86

26,167.69

149

5/1/28

898.83

152.64

746.19

25,421.50

150

6/1/28

898.83

148.29

750.54

24,670.96

151

7/1/28

898.83

143.91

754.92

23,916.04

152

8/1/28

898.83

139.51

759.32

23,156.72

153

9/1/28

898.83

135.08

763.75

22,392.97

154

10/1/28

898.83

130.63

768.20

21,624.77

155

11/1/28

898.83

126.14

772.69

20,852.08

156

12/1/28

898.83

121.64

777.19

20,074.89

157

1/1/29

898.83

117.10

781.73

19,293.16

158

2/1/29

898.83

112.54

786.29

18,506.87

159

3/1/29

898.83

107.96

790.87

17,716.00

160

4/1/29

898.83

103.34

795.49

16,920.51

161

5/1/29

898.83

98.70

800.13

16,120.38

162

6/1/29

898.83

94.04

804.79

15,315.59

163

7/1/29

898.83

89.34

809.49

14,506.10

164

8/1/29

898.83

84.62

814.21

13,691.89

165

9/1/29

898.83

79.87

818.96

12,872.93

166

10/1/29

898.83

75.09

823.74

12,049.19

167

11/1/29

898.83

70.29

828.54

11,220.65

168

12/1/29

898.83

65.45

833.38

10,387.27

169

1/1/30

898.83

60.59

838.24

9,549.03

170

2/1/30

898.83

55.70

843.13

8,705.90

171

3/1/30

898.83

50.78

848.05

7,857.85

172

4/1/30

898.83

45.84

852.99

7,004.86

173

5/1/30

898.83

40.86

857.97

6,146.89

174

6/1/30

898.83

35.86

862.97

5,283.92

175

7/1/30

898.83

30.82

868.01

4,415.91

176

8/1/30

898.83

25.76

873.07

3,542.84

177

9/1/30

898.83

20.67

878.16

2,664.68

178

10/1/30

898.83

15.54

883.29

1,781.39

179

11/1/30

898.83

10.39

888.44

892.95

180

12/1/30

898.16

5.21

892.95

0.00

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 3 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 4 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 5 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 6 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 7 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 8 of 25

No.

Due Date

2008 Vertex42 LLC

Payment

Additional
Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 9 of 25

No.

Due Date

Payment

Additional
Payment

Interest

Principal

Balance

End

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 10 of 25

Loan Payment Schedule


2008-2016 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Loan Information
Loan Amount
Annual Interest Rate
Compound Period
Term of Loan in Years
First Payment Date
Payment Frequency
Payment Type
Number of Payments
Rate (per period)
Payment (per period)

100,000
7.00%
Monthly
15
1/1/2016
Monthly
End of Period
180
0.583%
898.83

Summary
Total Payments
Total Interest
Est. Interest Savings

$
$
$

161,788.73
61,788.73
0.36
.

About This Worksheet


This spreadsheet provides an alternate way to record
payments, assuming the same loan information as in
the Schedule worksheet. The actual payment is
recorded each pay period. Any amount above the
payment due is used to pay off the principal. If no
payment is made, the interest due is added to the
balance (i.e. negative amortization). This assumes there
are no penalties for late payments, missing payments,
or prepayments, and that prepayments go into effect on
the due date.

Enter the amount paid in the Payment Column


(principal+interest) with the yellow background.

Payment Schedule

[42]

No.

Due
Date

Payment
Due

Payment

Interest

Principal

1/1/16

898.83

898.83

583.33

315.50

99,684.50

2/1/16

898.83

898.83

581.49

317.34

99,367.16

3/1/16

898.83

898.83

579.64

319.19

99,047.97

4/1/16

898.83

898.83

577.78

321.05

98,726.92

5/1/16

898.83

898.83

575.91

322.92

98,404.00

6/1/16

898.83

898.83

574.02

324.81

98,079.19

7/1/16

898.83

898.83

572.13

326.70

97,752.49

8/1/16

898.83

898.83

570.22

328.61

97,423.88

9/1/16

898.83

898.83

568.31

330.52

97,093.36

10

10/1/16

898.83

898.83

566.38

332.45

96,760.91

11

11/1/16

898.83

898.83

564.44

334.39

96,426.52

12

12/1/16

898.83

898.83

562.49

336.34

96,090.18

13

1/1/17

898.83

898.83

560.53

338.30

95,751.88

14

2/1/17

898.83

898.83

558.55

340.28

95,411.60

15

3/1/17

898.83

898.83

556.57

342.26

95,069.34

16

4/1/17

898.83

898.83

554.57

344.26

94,725.08

17

5/1/17

898.83

898.83

552.56

346.27

94,378.81

18

6/1/17

898.83

898.83

550.54

348.29

94,030.52

19

7/1/17

898.83

898.83

548.51

350.32

93,680.20

20

8/1/17

898.83

898.83

546.47

352.36

93,327.84

21

9/1/17

898.83

898.83

544.41

354.42

92,973.42

22

10/1/17

898.83

898.83

542.34

356.49

92,616.93

23

11/1/17

898.83

898.83

540.27

358.56

92,258.37

24

12/1/17

898.83

898.83

538.17

360.66

91,897.71

25

1/1/18

898.83

898.83

536.07

362.76

91,534.95

26

2/1/18

898.83

898.83

533.95

364.88

91,170.07

27

3/1/18

898.83

898.83

531.83

367.00

90,803.07

28

4/1/18

898.83

898.83

529.68

369.15

90,433.92

29

5/1/18

898.83

898.83

527.53

371.30

90,062.62

30

6/1/18

898.83

898.83

525.37

373.46

89,689.16

31

7/1/18

898.83

898.83

523.19

375.64

89,313.52

32

8/1/18

898.83

898.83

521.00

377.83

88,935.69

33

9/1/18

898.83

898.83

518.79

380.04

88,555.65

34

10/1/18

898.83

898.83

516.57

382.26

88,173.39

35

11/1/18

898.83

898.83

514.34

384.49

87,788.90

36

12/1/18

898.83

898.83

512.10

386.73

87,402.17

37

1/1/19

898.83

898.83

509.85

388.98

87,013.19

38

2/1/19

898.83

898.83

507.58

391.25

86,621.94

39

3/1/19

898.83

898.83

505.29

393.54

86,228.40

40

4/1/19

898.83

898.83

503.00

395.83

85,832.57

41

5/1/19

898.83

898.83

500.69

398.14

85,434.43

42

6/1/19

898.83

898.83

498.37

400.46

85,033.97

43

7/1/19

898.83

898.83

496.03

402.80

84,631.17

44

8/1/19

898.83

898.83

493.68

405.15

84,226.02

45

9/1/19

898.83

898.83

491.32

407.51

83,818.51

46

10/1/19

898.83

898.83

488.94

409.89

83,408.62

47

11/1/19

898.83

898.83

486.55

412.28

82,996.34

48

12/1/19

898.83

898.83

484.15

414.68

82,581.66

49

1/1/20

898.83

898.83

481.73

417.10

82,164.56

50

2/1/20

898.83

898.83

479.29

419.54

81,745.02

51

3/1/20

898.83

898.83

476.85

421.98

81,323.04

52

4/1/20

898.83

898.83

474.38

424.45

80,898.59

53

5/1/20

898.83

898.83

471.91

426.92

80,471.67

54

6/1/20

898.83

898.83

469.42

429.41

80,042.26

55

7/1/20

898.83

898.83

466.91

431.92

79,610.34

Balance
100,000.00

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 11 of 25

No.

Due
Date

Payment
Due

Payment

Interest

Principal

Balance

56

8/1/20

898.83

898.83

464.39

434.44

79,175.90

57

9/1/20

898.83

898.83

461.86

436.97

78,738.93

58

10/1/20

898.83

898.83

459.31

439.52

78,299.41

59

11/1/20

898.83

898.83

456.75

442.08

77,857.33

60

12/1/20

898.83

898.83

454.17

444.66

77,412.67

61

1/1/21

898.83

898.83

451.57

447.26

76,965.41

62

2/1/21

898.83

898.83

448.96

449.87

76,515.54

63

3/1/21

898.83

898.83

446.34

452.49

76,063.05

64

4/1/21

898.83

898.83

443.70

455.13

75,607.92

65

5/1/21

898.83

898.83

441.05

457.78

75,150.14

66

6/1/21

898.83

898.83

438.38

460.45

74,689.69

67

7/1/21

898.83

898.83

435.69

463.14

74,226.55

68

8/1/21

898.83

898.83

432.99

465.84

73,760.71

69

9/1/21

898.83

898.83

430.27

468.56

73,292.15

70

10/1/21

898.83

898.83

427.54

471.29

72,820.86

71

11/1/21

898.83

898.83

424.79

474.04

72,346.82

72

12/1/21

898.83

898.83

422.02

476.81

71,870.01

73

1/1/22

898.83

898.83

419.24

479.59

71,390.42

74

2/1/22

898.83

898.83

416.44

482.39

70,908.03

75

3/1/22

898.83

898.83

413.63

485.20

70,422.83

76

4/1/22

898.83

898.83

410.80

488.03

69,934.80

77

5/1/22

898.83

898.83

407.95

490.88

69,443.92

78

6/1/22

898.83

898.83

405.09

493.74

68,950.18

79

7/1/22

898.83

898.83

402.21

496.62

68,453.56

80

8/1/22

898.83

898.83

399.31

499.52

67,954.04

81

9/1/22

898.83

898.83

396.40

502.43

67,451.61

82

10/1/22

898.83

898.83

393.47

505.36

66,946.25

83

11/1/22

898.83

898.83

390.52

508.31

66,437.94

84

12/1/22

898.83

898.83

387.55

511.28

65,926.66

85

1/1/23

898.83

898.83

384.57

514.26

65,412.40

86

2/1/23

898.83

898.83

381.57

517.26

64,895.14

87

3/1/23

898.83

898.83

378.55

520.28

64,374.86

88

4/1/23

898.83

898.83

375.52

523.31

63,851.55

89

5/1/23

898.83

898.83

372.47

526.36

63,325.19

90

6/1/23

898.83

898.83

369.40

529.43

62,795.76

91

7/1/23

898.83

898.83

366.31

532.52

62,263.24

92

8/1/23

898.83

898.83

363.20

535.63

61,727.61

93

9/1/23

898.83

898.83

360.08

538.75

61,188.86

94

10/1/23

898.83

898.83

356.94

541.89

60,646.97

95

11/1/23

898.83

898.83

353.77

545.06

60,101.91

96

12/1/23

898.83

898.83

350.59

548.24

59,553.67

97

1/1/24

898.83

898.83

347.40

551.43

59,002.24

98

2/1/24

898.83

898.83

344.18

554.65

58,447.59

99

3/1/24

898.83

898.83

340.94

557.89

57,889.70

100

4/1/24

898.83

898.83

337.69

561.14

57,328.56

101

5/1/24

898.83

898.83

334.42

564.41

56,764.15

102

6/1/24

898.83

898.83

331.12

567.71

56,196.44

103

7/1/24

898.83

898.83

327.81

571.02

55,625.42

104

8/1/24

898.83

898.83

324.48

574.35

55,051.07

105

9/1/24

898.83

898.83

321.13

577.70

54,473.37

106

10/1/24

898.83

898.83

317.76

581.07

53,892.30

107

11/1/24

898.83

898.83

314.37

584.46

53,307.84

108

12/1/24

898.83

898.83

310.96

587.87

52,719.97

109

1/1/25

898.83

898.83

307.53

591.30

52,128.67

110

2/1/25

898.83

898.83

304.08

594.75

51,533.92

111

3/1/25

898.83

898.83

300.61

598.22

50,935.70

112

4/1/25

898.83

898.83

297.12

601.71

50,333.99

113

5/1/25

898.83

898.83

293.61

605.22

49,728.77

114

6/1/25

898.83

898.83

290.08

608.75

49,120.02

115

7/1/25

898.83

898.83

286.53

612.30

48,507.72

116

8/1/25

898.83

898.83

282.96

615.87

47,891.85

117

9/1/25

898.83

898.83

279.37

619.46

47,272.39

118

10/1/25

898.83

898.83

275.76

623.07

46,649.32

119

11/1/25

898.83

898.83

272.12

626.71

46,022.61

120

12/1/25

898.83

898.83

268.47

630.36

45,392.25

121

1/1/26

898.83

898.83

264.79

634.04

44,758.21

122

2/1/26

898.83

898.83

261.09

637.74

44,120.47

123

3/1/26

898.83

898.83

257.37

641.46

43,479.01

124

4/1/26

898.83

898.83

253.63

645.20

42,833.81

125

5/1/26

898.83

898.83

249.86

648.97

42,184.84

126

6/1/26

898.83

898.83

246.08

652.75

41,532.09

127

7/1/26

898.83

898.83

242.27

656.56

40,875.53

128

8/1/26

898.83

898.83

238.44

660.39

40,215.14

129

9/1/26

898.83

898.83

234.59

664.24

39,550.90

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 12 of 25

No.

Due
Date

Payment
Due

Payment

Interest

Principal

Balance

130

10/1/26

898.83

898.83

230.71

668.12

38,882.78

131

11/1/26

898.83

898.83

226.82

672.01

38,210.77

132

12/1/26

898.83

898.83

222.90

675.93

37,534.84

133

1/1/27

898.83

898.83

218.95

679.88

36,854.96

134

2/1/27

898.83

898.83

214.99

683.84

36,171.12

135

3/1/27

898.83

898.83

211.00

687.83

35,483.29

136

4/1/27

898.83

898.83

206.99

691.84

34,791.45

137

5/1/27

898.83

898.83

202.95

695.88

34,095.57

138

6/1/27

898.83

898.83

198.89

699.94

33,395.63

139

7/1/27

898.83

898.83

194.81

704.02

32,691.61

140

8/1/27

898.83

898.83

190.70

708.13

31,983.48

141

9/1/27

898.83

898.83

186.57

712.26

31,271.22

142

10/1/27

898.83

898.83

182.42

716.41

30,554.81

143

11/1/27

898.83

898.83

178.24

720.59

29,834.22

144

12/1/27

898.83

898.83

174.03

724.80

29,109.42

145

1/1/28

898.83

898.83

169.80

729.03

28,380.39

146

2/1/28

898.83

898.83

165.55

733.28

27,647.11

147

3/1/28

898.83

898.83

161.27

737.56

26,909.55

148

4/1/28

898.83

898.83

156.97

741.86

26,167.69

149

5/1/28

898.83

898.83

152.64

746.19

25,421.50

150

6/1/28

898.83

898.83

148.29

750.54

24,670.96

151

7/1/28

898.83

898.83

143.91

754.92

23,916.04

152

8/1/28

898.83

898.83

139.51

759.32

23,156.72

153

9/1/28

898.83

898.83

135.08

763.75

22,392.97

154

10/1/28

898.83

898.83

130.63

768.20

21,624.77

155

11/1/28

898.83

898.83

126.14

772.69

20,852.08

156

12/1/28

898.83

898.83

121.64

777.19

20,074.89

157

1/1/29

898.83

898.83

117.10

781.73

19,293.16

158

2/1/29

898.83

898.83

112.54

786.29

18,506.87

159

3/1/29

898.83

898.83

107.96

790.87

17,716.00

160

4/1/29

898.83

898.83

103.34

795.49

16,920.51

161

5/1/29

898.83

898.83

98.70

800.13

16,120.38

162

6/1/29

898.83

898.83

94.04

804.79

15,315.59

163

7/1/29

898.83

898.83

89.34

809.49

14,506.10

164

8/1/29

898.83

898.83

84.62

814.21

13,691.89

165

9/1/29

898.83

898.83

79.87

818.96

12,872.93

166

10/1/29

898.83

898.83

75.09

823.74

12,049.19

167

11/1/29

898.83

898.83

70.29

828.54

11,220.65

168

12/1/29

898.83

898.83

65.45

833.38

10,387.27

169

1/1/30

898.83

898.83

60.59

838.24

9,549.03

170

2/1/30

898.83

898.83

55.70

843.13

8,705.90

171

3/1/30

898.83

898.83

50.78

848.05

7,857.85

172

4/1/30

898.83

898.83

45.84

852.99

7,004.86

173

5/1/30

898.83

898.83

40.86

857.97

6,146.89

174

6/1/30

898.83

898.83

35.86

862.97

5,283.92

175

7/1/30

898.83

898.83

30.82

868.01

4,415.91

176

8/1/30

898.83

898.83

25.76

873.07

3,542.84

177

9/1/30

898.83

898.83

20.67

878.16

2,664.68

178

10/1/30

898.83

898.83

15.54

883.29

1,781.39

179

11/1/30

898.83

898.83

10.39

888.44

892.95

180

12/1/30

898.16

898.16

5.21

892.95

0.00

2008 Vertex42 LLC

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 13 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 14 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 15 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 16 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 17 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 18 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 19 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 20 of 25

No.

Due
Date

2008 Vertex42 LLC

Payment
Due

Payment

Interest

Principal

Balance

http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

Page 21 of 25

HELP
http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

2008-2016 Vertex42 LLC

About This Template


This spreadsheet creates a printable amortization schedule for a fixed-rate loan,
with optional extra payments.
Using the Schedule Worksheet
Some cells contain comments (marked with a red triangle) that provide additional help
content.
The payment frequency can be annual, semi-annual, quarterly, bi-monthly, monthly,
semi-monthly, bi-weekly, or weekly.
By default, the compound period is set equal to the payment frequency, but this can be
changed if the loan is a Canadian mortgage for example. Be careful not to set the
Compound Period shorter than the Payment Frequency because that will result in
negative amortization.
Values are rounded to the second decimal place. The rounding option is for comparison
with other calculators that do not round the payment or interest.
You can select whether payments are due at the End or Beginning of the payment
period. The rounding option is for comparison with other calculators that do not round the
payment or interest.
The last payment is adjusted to bring the balance to zero.
The spreadsheet is only valid for up to 780 payments (65-year monthly, 30-year
biweekly, 15-year weekly, etc.)
Using the Payment Worksheet
Before using the Payment worksheet, you should create an amortization schedule using
the Schedule worksheet. The Payment worksheet refers to the loan information that you
enter in the Schedule worksheet.
In the Payment worksheet, you can change the amount Paid in the Payment column
(cells with the yellow background), to indicate what was actually paid that period. Note
that the date the payment was made is not recorded because in this particular
spreadsheet, the payment date has no effect on the amount due. To track late payments,
missed payments, fees, etc. you would need to use some other loan tracking solution, or
a spreadsheet designed for that purpose.
Additional Help
The link at the top of this worksheet will take you to the web page on vertex42.com that
talks about this template.

REFERENCES
SEE ALSO

Vertex42.com: Loan Amortization Schedule

SEE ALSO

Vertex42.com: Home Mortgage Calculator

TIPS

Vertex42.com: Spreadsheet Tips Workbook

08-2016 Vertex42 LLC

Loan Amortization Schedule


By Vertex42.com
http://www.vertex42.com/ExcelTemplates/loan-amortization-schedule.html

2008-2016 Vertex42 LLC


This spreadsheet, including all worksheets and associated content is a
copyrighted work under the United States and other copyright laws.
Do not submit copies or modifications of this template to any website or online
template gallery.
Please review the following license agreement to learn how you may or may not
use this template. Thank you.
See License Agreement
http://www.vertex42.com/licensing/EULA_personaluse.html
Do not delete this worksheet.