Loan Amortization Schedule
- Regular price
- $129.00
- Sale price
- $129.00
- Regular price
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$0.00
A lender-grade loan amortization schedule built in Excel.
Designed to adapt as loan terms change without rebuilding the model.
Clean, auditable outputs for close, forecasting, and reporting.
- Dynamic Payment Frequency
- Independent Compounding Logic
- Automatic Rounding Correction
- Current vs Non-Current Split
- Annual Summary View
Amortization shouldn’t break when reality changes.
Most schedules fall apart the moment terms change. This one doesn’t.
Every payment, interest accrual, and balance roll-forward recalculates automatically based on the actual structure of your loan — no buried formulas, no brittle templates.
Real Amortization Accuracy
Most schedules break the moment your loan terms change. This one doesn’t. Every payment, every interest accrual, and every balance roll-forward updates instantly based on the exact structure of your loan — no buried formulas or brittle templates.
Dynamic, Flexible Loan Modeling
Switch payment frequency, adjust compounding, change terms, or roll the balance forward — the schedule recalculates automatically. Perfect for refinancing, restructures, covenant modeling, or forecasting debt service.
Clean, Operator-Grade Architecture
No macros. No hidden logic. No fragile formulas. Built using modern Excel functions (LET, SCAN, MAP, HSTACK), the entire schedule is transparent, auditable, and designed for finance teams who demand precision.
Ready for Any Close, Audit, or Board Cycle
Get audit-ready current vs. non-current splits, annual summary views, true zero-balance payoff calculations, and clean outputs you can drop directly into debt footnotes, management reports, or your rolling forecast.
Inside the Amortization Engine
Dynamic Payment Frequency
Switch monthly, quarterly, semi-annual, or annual payments without rebuilding the model.
Independent Compounding Logic
Handles real-world loan structures where compounding ≠ payment frequency.
Automatic Rounding Correction
Forces a true zero balance on payoff — no penny drift.
Current vs. Non-Current Split
Balance sheet classification updates automatically.
Annual Summary View
Clean rollups for reporting, forecasting, and covenant analysis.
Key Features
Dynamic Frequency Control
Switch instantly between monthly, quarterly, semi-annual, or annual payments without breaking the schedule. Every recalculation flows through the model automatically.
Independent Compounding Logic
Interest accrues correctly even when compounding doesn’t match payment frequency — essential for real-world loan agreements, private credit, and bank facilities.
Automatic Rounding Correction
No more penny drift. The model forces a true zero ending balance on the payoff date, even if your interest rate or compounding generates fractional cents.
Current vs. Non-Current Split
The next 12 months of principal are calculated automatically, giving controllers and auditors an instant debt classification for the balance sheet.
Annual Summary Table
See interest, principal, and payments aggregated by year with a dynamic total row that updates as terms change. Ideal for reporting, budgeting, and covenant analysis.
Roll-Forward Ready
Update the remaining principal and recalc the full schedule immediately — perfect for refinancing, modifications, or closing out year-end balances.
No Macros, No Hidden Logic
100% formula-driven using modern Excel functions such as LET, SCAN, HSTACK, MAP, and LAMBDA. Transparent, auditable, and fast.
Professional, Modern Layout
Clean structure, labeled inputs, intuitive formatting, and no clutter. Designed for real finance teams, auditors, and operators — not hobby spreadsheets.
Built to handle real loan structures
Enter your loan terms
Principal, rate, payment frequency, compounding, and start date.
Adjust anything
Refinance, change frequencies, modify terms, or update balances at any point.
Everything realigns
Every payment, interest accrual, balance roll-forward, and summary updates instantly.
FAQs
Finance teams, controllers, FP&A analysts, accountants, CFOs, and business owners who need a clean, defensible way to calculate principal, interest, current vs. non-current balances, and annual debt service — without brittle spreadsheets or manual fixes.
Ideal for monthly close, audits, refinancing, and forecasting.
The Loan Amortization model runs natively in Microsoft Excel — no additional software required.
To use the full functionality, you need:
- Excel for Windows or Mac
- Modern Excel functions (LET, SCAN, MAP, etc.) supported
- Macros not required (the file contains no VBA)
The workbook opens normally on any device with a current version of Excel.
There is no activation, no license manager, and no restrictions on installation.
However, this tool is intended for single-user use, meaning one purchase = one professional using the model. While there is no enforcement mechanism, we ask teams to purchase additional copies when multiple users rely on the tool.
For larger finance teams or multi-entity groups, enterprise options are available.
You receive the full Loan Amortization Excel model, including:
- Dynamic payment frequency (monthly, quarterly, semi-annual, annual)
- Independent compounding control
- Principal & interest breakdown for every payment
- Automatic current vs. non-current principal split
- Annual interest/principal/payment summary table
- True zero-balance payoff logic
- Professionally structured template with locked formula areas to prevent accidental changes
The core structure and formulas are protected to ensure accuracy and prevent unintentional edits.
Yes. Any refinements to the amortization logic or improvements to the model will be provided as free updates to the version you purchased.
You have full access to our documentation resources, troubleshooting guides, and file re-downloads. If you need additional help, reach out anytime — we’re here to make sure you get up and running quickly.