Essentials Mortgage & Home Templates
9 mortgage & home spreadsheet templates in their fuller Essentials builds, with more worked out for you rather than typed. One-time $19 per template.
Home Mortgage Calculator
Enter the home price and the deposit as a percentage and the loan derives itself, then property tax and insurance fold in to give one full monthly figure. The Essentials Home Mortgage Calculator spreadsheet template splits that payment on a pie chart, mortgage insurance included, and runs a dated schedule on real calendar months where extra payments come off the principal and pull the payoff date in. Three working sheets and two charts. Google Sheets or Excel. No macros, no VBA.
Loan Amortization
Every payment is dated from the first one you set and split into the part reducing the balance and the part going to the lender, with the balance running down row by row. The Essentials Loan Amortization spreadsheet template takes an extra payment column straight off the balance and returns a payoff date rather than a payment number. Three working sheets and two charts, in Google Sheets or Excel. No macros, no VBA.
Home Affordability Calculator
Property tax, annual insurance and monthly HOA fees sit inside the payment here, so the monthly ceiling covers the whole housing cost rather than the loan alone. The Essentials Home Affordability Calculator spreadsheet template applies both the front-end and back-end debt-to-income limits, takes the lower of the two as a lender would, and solves for the price that ceiling reaches. Setup and Dashboard on sheets of their own. Google Sheets and Excel. No macros, no VBA.
Mortgage Payoff Calculator
Put an extra amount against the principal each month and the payoff date moves. The Essentials Mortgage Payoff Calculator spreadsheet template reports the revised date, how much sooner it arrives and the interest that avoids, then lays out a dated amortization schedule on real calendar months, every payment split into principal and interest with the extra shown separately. Three working sheets and a chart. Google Sheets and Excel, one file. No macros, no VBA.
Home Equity Loan Calculator
Home value and current mortgage balance are the starting point, and the equity falls out of them - as a figure, and as a share of what the home is worth. The Essentials Home Equity Loan Calculator spreadsheet template then works out the maximum borrowable at a common eighty percent ceiling, the combined loan-to-value the new borrowing would create, and the equity left afterwards, with an amortization schedule on its own sheet. Google Sheets and Excel, one file. No macros, no VBA.
ARM Calculator
An index and a margin build the rate, periodic and lifetime caps hold it, and a thirty-year schedule re-prices the loan each time it adjusts. The Essentials ARM Calculator spreadsheet template shows the maximum rate the agreement actually permits, the payment while the initial rate holds, and what the interest would come to if it never changed - the comparison the caps exist for. Three working sheets. Google Sheets and Excel. No macros, no VBA.
Mortgage Refinance Calculator
Both mortgages described the same way - balance, rate and term on each side - and both payments calculated rather than typed. The Essentials Mortgage Refinance Calculator spreadsheet template reports the monthly saving and the break-even point on closing costs, the total interest on each loan and the interest saved between them, and the total cost each way once closing costs are counted. Dashboard, Refinance Setup, Amortization Comparison, How to Use. Google Sheets and Excel, one file.
Home Expense Calculator
Costs group into housing payments, regular bills and upkeep on an Expense Setup sheet, with annual bills entered annually rather than divided by twelve and the mortgage entered as principal and interest only. The Essentials Home Expense Calculator spreadsheet template returns monthly and annual totals, the cost of a single day of ownership, and the mortgage as a share of the whole. Google Sheets and Excel, one file. No macros, no VBA.
Rent vs Buy Calculator
Renting and owning run side by side for ten years, year against year, with cumulative totals on both sides so the gap is readable at any point in the horizon. The Essentials Rent vs Buy Calculator spreadsheet template projects home value at your appreciation rate, tracks the equity ownership builds against it, and states net buy cost once that equity comes off. Property tax and maintenance scale as the value grows. Google Sheets and Excel, one file.
Not sure which to pick?
Try the free version of any mortgage & home template first. When you're ready for the dashboard and extra capacity, upgrade to Essentials - a one-time $19 purchase.