Mortgage Analysis Spreadsheet Template for Excel & Google Sheets
A complete loan workbook. Full 360-month amortization for a single loan, plus a three-scenario side-by-side compare for term and rate alternatives, with monthly payment, total interest, and total paid for each. Built for Microsoft Excel and Google Sheets.
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Mortgage Analysis Spreadsheet
Everything in This Mortgage Spreadsheet
The Loan at a Glance
Four KPIs cover the loan - monthly payment, total interest over the life of the loan, total paid (principal plus interest), and the payoff date. All four read from your Settings principal, rate, and term and update instantly.
- Monthly payment from the standard formula
- Total interest and total paid over the life of the loan
- Payoff date derived from start plus term
Compare Three Loans Side by Side
Three columns - your primary loan and two alternatives. Set principal, rate, and term for each and watch monthly payment, total interest, and total paid update. Compare a 30-year against a 15-year, or two different rates on the same term.
- Three loans side by side
- Principal, rate, and term inputs per loan
- Monthly payment, total interest, total paid
Full 360-Month Schedule
Every month from 1 to 360, with interest paid, principal paid, and remaining balance per row. Up to the term in months - 360 rows for a 30-year, 180 for a 15-year. No truncation, no "first 12 months only" - the entire schedule.
- Month 1 through 360 - the full schedule
- Interest, principal, and remaining balance per row
- Standard amortization - no truncation
Set Your Loan Once
Settings holds the asset name, currency, principal, interest rate, and term in years. The Summary, Amortization schedule, and Scenarios compare all read from these inputs - change a value and everything updates.
- Asset name, currency, principal
- Interest rate and term in years
- Drives Summary, Amortization, and Scenarios
Customizable & Flexible
Test different mortgages. Change the rate by a quarter point, swap a 30-year for a 15-year, or model a refinance - the Summary, full schedule, and Scenarios all update automatically. Works identically in Excel and Google Sheets.
- Change principal, rate, or term
- Compare three scenarios at once
- Excel and Google Sheets compatible
Ready to take control of your finances?
Set Up in 5 Minutes
How the Mortgage Analysis Works
Open in Excel or Google Sheets
Get instant access after purchase. Open in Microsoft Excel directly, or import into Google Sheets - no software to install, no add-ons.
Enter Your Loan on Settings
Set asset name, currency, principal, interest rate, and term in years. Five inputs is all the workbook needs.
Read the Summary
Monthly payment, total interest, total paid, and payoff date populate from the standard amortization formula.
Compare Scenarios
On Scenarios, set principal, rate, and term for two alternatives. Compare against the primary loan side by side.
Built for Single-Loan Analysis
Why Use This Mortgage Template
Full Amortization, Not a Summary
Every month from 1 to 360 with interest, principal, and remaining balance - the entire schedule, not just the first year.
No Formulas to Write
Enter values in highlighted input cells. Monthly payment, total interest, the full schedule, and scenarios are pre-built.
Excel and Google Sheets
Works identically in Microsoft Excel and Google Sheets. No macros, no add-ons, no proprietary functions.
Free Lifetime Updates
Any updates we release to the mortgage analysis template included at no extra cost.
Your Loan Data Stays Private
Runs entirely in your spreadsheet. Loan amounts and rates stay in your file - we never see or store them.
One-Time Purchase
Pay once, use forever. No subscriptions, no monthly fees, no recurring charges.
Got Questions?
Frequently Asked Questions
Is this template free to use?
This template is not free, but it is available for a one-time purchase. This purchase gives you lifetime access to the template and to any updates we release.
What do you mean by lifetime access?
Lifetime access means that you will have access to this template for as long as you need it. You will not be required to pay any additional fees for continued access to the template or to any updates we release.
Do I need to sign up to use this template?
You don't need to create an account with us. The template is delivered as an Excel file: open it directly in Microsoft Excel, or import it into Google Sheets from your own Google account if you prefer working there.
What are the benefits of using this template?
This template offers a range of benefits, including: Easy-to-use interface, Customizable to suit your needs, Secure and private, Free access to any updates we release, One-time purchase for lifetime access.
Can I get future updates?
Yes. Whenever we release an update to this template, you get it at no additional cost - lifetime access covers every version we publish. We do not commit to a fixed update schedule; improvements ship when they are ready.
Do you offer any discounts?
There are no discount codes for individual templates, but many templates are also part of a bundle that costs less than buying the same templates separately. Either way it is a one-time purchase with lifetime access and free updates.
Do you have any access to my financial data?
No, we do not have access to your financial data when you use this template. The template is a file you keep yourself, on your computer or in your own Google Drive, so your financial information never reaches us.
Is this template financial advice?
Our templates are not financial advice. They are tools designed to help you manage your personal finances more effectively. If you need personalized financial advice, consider consulting with a financial advisor or accountant.
Can I make my own changes and customize this template?
Yes, you can make your own changes and customize this template to suit your needs. The template is designed to be flexible and adaptable, allowing you to add or remove sections, change formulas, and adjust formatting as needed.
Do you offer technical support?
This is a self-service product, and we do not offer technical support. However, if you encounter any issues or have any questions about the template, please contact our team for assistance. Because everyone's financial situation is unique, consider consulting with a financial advisor or accountant if you need personalized financial advice.
Do you offer refunds?
Because these digital products are delivered instantly, purchases are generally final once you consent to immediate delivery at checkout. If the file we delivered has a genuine error, such as a formula that miscalculates or a feature its page describes but the file lacks, tell us what does not match: we will fix or replace it, or refund you if we cannot. Reporting within 30 days speeds resolution but never limits your statutory consumer rights; the full policy is in our Terms & Conditions.
Can't find the answer you're looking for? Contact our team
Instant digital delivery · Terms & Conditions apply
Highlights:
See Your Full Mortgage in One File
Get the Mortgage Analysis template and run the full schedule, summary KPIs, and three-scenario compare in Excel or Google Sheets.