Finance template
Mortgage calculator
Work out the full monthly cost of a home loan including property tax, insurance, PMI and HOA dues. A yearly schedule shows principal, interest and equity over the term.
- Free
- No account needed to try
- Download as .xlsx
What's inside
Everything is a normal workbook once you open it: change the numbers, rename the sheets and make it yours.
2 sheets
- Calculator
- Yearly schedule
226 formulasTotals, lookups and checks are already worked out, so the sheet updates as you type. 302 filled cells in all.
Built in
- Charts
- Conditional formatting
- Dropdowns
- Named ranges
- Frozen headers
- 2 charts
A look at the Calculator sheet
The top left of the first sheet, calculated by SheetsBat. Open the template to see all of it.
| A | B | C | D | E | F | G | H | |
|---|---|---|---|---|---|---|---|---|
| 1 | Mortgage calculator | |||||||
| 2 | Change the yellow cells. The yearly schedule is on the next sheet. | |||||||
| 3 | ||||||||
| 4 | Home and loan | Monthly payment | ||||||
| 5 | Home price | $485,000 | Principal and interest | $2,538.29 | ||||
| 6 | Down payment % | 15% | Property tax | $444.58 | ||||
| 7 | Down payment | $72,750 | Home insurance | $137.50 | ||||
| 8 | Loan amount | $412,250 | PMI | $171.77 | ||||
| 9 | Interest rate | 6.250% | HOA dues | $45.00 | ||||
| 10 | Term in years | 30 | Total per month | $3,337.15 | ||||
| 11 | First payment | 1/1/2027 | ||||||
| 12 | Property tax per year | 1.10% | Total interest over the term | $501,536 | ||||
- mortgage
- home
- loan
- calculator
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