Home Mortgage Calculator Essentials 模板
Calculate monthly mortgage payments and view a full amortization schedule. Enter loan amount, rate, and term to see payment breakdowns over the life of the loan.
包含内容
- Dashboard with payment summary showing monthly payment amount, total interest, and total cost of the loan
- Mortgage setup sheet with inputs for loan amount, annual interest rate, loan term in years, and start date
- Full amortization schedule displaying each monthly payment with principal, interest, and remaining balance
- Principal vs. interest breakdown per payment showing how the split shifts over the life of the mortgage
- Total interest over loan life with color-coded input cells (yellow) and auto-calculated schedule (blue)
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
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The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with payment summary showing monthly payment amount, total interest, and total cost of the loan
- Mortgage setup sheet with inputs for loan amount, annual interest rate, loan term in years, and start date
- Full amortization schedule displaying each monthly payment with principal, interest, and remaining balance
- Principal vs. interest breakdown per payment showing how the split shifts over the life of the mortgage
- 并排设置和比较3种贷款方案，包括贷款金额、利率、期限和起始日期
- 仪表盘包含6个KPI卡片：最优月供、最低总利息、贷款数量、总借款金额、最低利率和最优期限
- 每种方案的完整还款计划表，包括还款期数、日期、还款金额、本金、利息和剩余余额
- 方案比较表，按月供、总利息、总成本和盈亏平衡分析对所有3笔贷款进行排名
- 额外还款分析，展示额外的月付、年付或一次性付款如何减少利息和缩短贷款期限
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如何使用这个Home Mortgage Calculator模板
Enter loan details
Input the loan amount, annual interest rate, loan term in years, and start date on the mortgage setup sheet.
Review monthly payment
The calculator displays your monthly payment amount including principal and interest. Taxes and insurance are not included.
Explore the amortization
The full schedule shows every monthly payment split between principal, interest, and remaining balance from first to last.
Check total interest
The dashboard shows total interest over the life of the loan alongside the total amount paid (principal plus interest).
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
常见问题
Does it include taxes and insurance?
No. The calculator covers principal and interest only. Property taxes, insurance, and PMI are separate costs not included in this calculation.
Can I enter a 15-year term?
Yes. Enter any loan term in years. Common options are 15 and 30 years, but the calculator works with any term you input.
How is the monthly payment calculated?
The calculator uses the standard amortization formula. It divides the loan into equal monthly payments that cover both principal and interest over the full term.
Can I see how much interest I pay in year one?
Yes. The amortization schedule shows each monthly payment. Sum the interest column for the first 12 rows to see your first-year interest total.
如何在 Google Sheets 中打开？
将 .xlsx 文件上传到 Google Drive，然后使用 Google Sheets 打开。所有公式和格式都会保留。