9 Free Templates
Free Mortgage & Home Templates for Excel & Google Sheets
Mortgage calculators, amortization schedules, and home-related financial tools.
About These Mortgage & Home Templates
Mortgage calculators, amortization schedules, and home-related financial tools. Each template includes a dashboard with key metrics, formula-driven calculations, and realistic sample data. Download any template instantly - they work in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required.
All Mortgage & Home Templates
Home Mortgage Calculator
Three inputs - the amount borrowed, the annual rate, the term - and five results under them: the monthly principal and interest, everything paid across the term, the interest inside that total, the rate expressed per month and the number of payments the term contains. The Free Home Mortgage Calculator spreadsheet template keeps all of it on one working sheet with a currency dropdown. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Loan Amortization
Amount, rate and term go in; the monthly payment, the total paid over the term and the interest inside it come back, alongside the monthly rate and the number of payments. The Free Loan Amortization spreadsheet template holds the whole calculation on one working sheet with a currency dropdown. There is no payment schedule in this build. One file for Google Sheets and Excel. No macros, no VBA, no sign-up.
Home Affordability Calculator
Six inputs on one sheet: income, existing debt payments, deposit, rate, term and the debt-to-income limit you want to work to. The Free Home Affordability Calculator spreadsheet template takes the debt payments off the ceiling first, then returns the mortgage payment that limit allows, the loan that payment supports at your rate and term, and the price it reaches. Principal and interest only. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Mortgage Payoff Calculator
Three inputs - balance, rate and term - and five results under them. The Free Mortgage Payoff Calculator spreadsheet template returns the monthly principal and interest payment for the loan as written, everything paid across the full term, and the interest inside that total kept separate, along with the annual rate expressed per month and the number of payments the term contains. One working sheet and a currency dropdown. Google Sheets or Excel. No macros, no VBA, no sign-up.
Home Equity Loan Calculator
Amount, rate and term go in; five results come back on the same sheet - the monthly payment, the total paid across the whole term, the interest inside that total, and the monthly rate and payment count shown rather than hidden. The Free Home Equity Loan Calculator spreadsheet template keeps all of it on one HELOC sheet, with the How to Use guide on a tab behind it. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
ARM Calculator
The payment during the fixed period, and the payment after it - re-amortised on the balance still owed across the months that remain, not on the original loan. The Free ARM Calculator spreadsheet template takes five inputs, including the fixed period itself, and returns the two payments with the monthly change between them, up or down. One working sheet and a How to Use guide. Google Sheets or Excel. No macros, no VBA, no sign-up.
Mortgage Refinance Calculator
Five figures in - balance, current payment, new rate, new term and closing costs - with the inputs down the left of one sheet and the results down the right. The Free Mortgage Refinance Calculator spreadsheet template calculates the new payment from the quoted rate and term, sets the monthly difference against the payment you already make, and gives the break-even in months on the closing costs. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
Home Expense Calculator
Fifteen lines for what a home costs beyond the mortgage - property taxes, insurance, association fees, utilities and upkeep - each with the annual figure derived from the monthly one. The Free Home Expense Calculator spreadsheet template treats the mortgage as one line among them rather than the whole story, and totals both columns at the foot. One working sheet, Google Sheets or Excel. No macros, no VBA, no sign-up.
Rent vs Buy Calculator
Set the price, the deposit share, the rate, the horizon and the rent you would otherwise pay. The Free Rent vs Buy Calculator spreadsheet template puts those inputs on the left and their results on the right: deposit and loan amount, estimated monthly principal and interest, the home value projected to the end of the horizon, and average monthly rent once your increase is applied. Google Sheets or Excel, one file. No macros, no VBA, no sign-up.
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