Home Mortgage Calculator Modelo Essentials
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.
O Que Está Incluído
- 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
Need more from this template?
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
- Configure e compare 3 cenarios de emprestimo lado a lado com valor do emprestimo, taxa de juros, prazo e data de inicio
- Painel com 6 cartoes de KPI: melhor parcela mensal, melhor juros total, quantidade de emprestimos, valor total emprestado, menor taxa e melhor prazo
- Tabela completa de amortizacao para cada cenario com numero do pagamento, data, valor da parcela, principal, juros e saldo devedor
- Planilha de comparacao de cenarios classificando os 3 emprestimos por parcela mensal, juros total, custo total e analise de ponto de equilibrio
- Analise de pagamento extra mostrando como pagamentos mensais, anuais ou unicos adicionais reduzem os juros e encurtam o prazo
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de Home Mortgage Calculator
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).
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
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.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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