Loan Amortization Model (Excel, Mac/Win)

Professional, audit-friendly amortization model with EMI, full schedule, KPI tiles, 100% stacked principal/interest chart, and sensitivity analysis.

Features

• Inputs: loan amount, term, rate, insurance/month, start date.
• Outputs: EMI, full schedule (EMI #, Due Date, Principal, Interest, EMI, Insurance, Total EMI, Status, Remaining Principal).
• Totals: principal repaid, remaining principal, total interest, interest paid-to-date, total insurance, APR/TAEG, NPV.
• Analytics: 100% stacked column (principal vs interest), sensitivities (Loan × Term, Loan × Rate).
• Design: named ranges, table-driven schedule, Windows/Mac compatible.

Files

• Loan_Amortization.xlsx — main workbook
• docs/screenshots/ — add UI screenshots
• exports/ — optional CSV/PDF exports (git-ignored)

How to use

1. Open Loan_Amortization.xlsx.
2. Enter assumptions on the Assumptions sheet.
3. Review Schedule and Dashboard (charts/KPIs).
4. (Optional) Export schedule to CSV and dashboard to PDF into exports/.

Roadmap

• Prepayments (one-off & recurring), Reduce Term/Payment toggle
• Variable/step rates, IO/grace, balloon
• Portfolio summary across loans

License

MIT