Amortization schedule in Excel (.xlsx download)
The usual route to an amortization spreadsheet is downloading someone’s template and fighting its locked cells and macro warnings. This page skips the template: enter the loan, click Excel, and you get a clean two-sheet workbook — a Summary sheet with the loan’s headline numbers and a Schedule sheet with every payment as real numeric cells you can sort, chart, and extend with your own formulas. Extra payments and biweekly mode are already reflected in the rows.
The file is generated inside your browser — this site has no server to upload to, so your loan details stay on your machine, which is not something a template gallery or an online converter can honestly say.
Preset: example loan — set yours, then use the Excel button in the results panel
Payment-by-payment schedule
| # | Date | Payment | Principal | Interest | Extra | Balance |
|---|
Click a year to expand its payments. Exports and print always include every payment.
How it works
- Open this page — the calculator is already set up for "Amortization schedule in Excel (.xlsx download)". Swap in your own amount, rate and term.
- Read off the payment, the payoff date and total interest. The full payment-by-payment table is right below.
- Add extra payments or switch to biweekly to watch the payoff date move and the interest saved appear.
- Download the schedule as Excel, CSV or PDF — generated on your device; your loan details never leave your browser.
What’s in the workbook (and what CSV is for)
The .xlsx has numbers stored as numbers with currency formatting — no “convert text to columns” cleanup. Columns: payment number, date, payment, principal, interest, extra, remaining balance, and cumulative interest, so running totals and pivot tables work immediately. If you’re importing into other software — accounting tools, Google Sheets, a script — the CSV button gives the same table in the plainest possible form, with the loan summary at the top.
A template-user’s tip that still applies: keep one exported sheet as the as-signed baseline, and re-export as you actually pay. Comparing the real balance column against the baseline column is the most motivating personal-finance chart there is.
Good to know
- Google Sheets opens the .xlsx directly (File → Import) with formatting intact; so do LibreOffice and Numbers.
- Want the schedule with your planned extras AND without? Export twice — toggle the extras between downloads — and put the two Schedule sheets side by side.
- The PDF button makes the fixed-layout version for records or a lender conversation; Excel is for working with the numbers.
Frequently asked questions
Do I need Excel installed for the download to work?
No — the file is a standard .xlsx generated in your browser, and it opens in Excel, Google Sheets, LibreOffice Calc, or Apple Numbers. Nothing is emailed and no account is created; the button hands the file straight to your Downloads folder.
Can I edit the formulas like in a template?
The export contains the computed values rather than live formulas — that’s deliberate: values can’t silently break the way template formulas do, and every column is honest data you can build your own formulas on top of. If you want a live-formula model, the numbers here are the reference to check it against; our methodology page gives the exact formula conventions to reproduce.
Why use this instead of a Vertex42-style template?
Templates are fine — the good ones are genuinely good. This is for the times you want the answer now, with extra payments and biweekly mode handled, without macro-enabling a download from a site you don’t know, and without typing your loan details into anything that has a server. Your numbers, a real .xlsx, zero upload.