Mortgage Amortization Calculator: 3-Scenario Comparison — Excel Model

Description
The Mortgage Payment Scenario Calculator is a comprehensive Excel model designed to help homebuyers, real estate investors, and financial advisors make smarter loan decisions. Instead of evaluating one mortgage option at a time, this tool lets you compare up to 3 scenarios side-by-side on a single dashboard — saving hours of manual calculation and eliminating guesswork.The model covers all key variables: loan amount, interest rate, loan term, and down payment. For each scenario, it instantly generates the monthly payment, total interest paid over the life of the loan, and a full amortization schedule breaking down principal vs. interest month by month. A built-in comparison summary highlights the cost difference between scenarios, helping you identify the most financially efficient option at a glance.Designed with clarity in mind, the template requires no macros and no advanced Excel knowledge — just enter your inputs and the model updates automatically. Clean charts visualize how each scenario plays out over time, making it easy to present findings to clients or stakeholders. Whether you are a first-time buyer weighing loan terms, an investor stress-testing acquisition costs, or a broker building a client proposal, this calculator delivers the clarity you need to move forward with confidence.