Debt Calculation Template

Description
A comprehensive template for calculating Principal and Interest payments in two distinct scenarios: debt issued in the first period and debt issued in several consequent periods. Each scenario is further broken down into two options: the Mortgage Style approach and the Cash-Based approach.


The Mortgage Style option provides a systematic breakdown of monthly payments into interest payments and principal repayments, allowing borrowers to understand the allocation of their payments towards loan repayment. This method aids in financial planning and decision-making by providing clarity on the repayment process.


On the other hand, the Cash-Based option focuses on the timing and cash flow aspects of principal and interest payments. By analyzing the cash flow implications of these payments, borrowers can gain insights into the impact on their overall financial situation.


The template incorporates calculations for interest payments, principal repayments, and ending debt balances, providing a comprehensive overview of the debt repayment process. Additionally, a summary table is included, comparing the principal and interest payments across all four options. This table offers a convenient reference point for borrowers to evaluate and compare the financial implications of each option.


By utilizing this template, individuals can effectively navigate both scenarios and options, empowering them to make informed decisions regarding their mortgage obligations and financial planning. The template and summary table together provide a valuable resource for individuals seeking clarity and understanding in their mortgage calculations and payment planning.