Debt Amortization Schedule — Excel Model with PMT, Sensitivity & Dashboard

Description
The BK003 Debt Amortization Schedule is a professional, fully-automated Excel model that gives you instant visibility into every aspect of a loan, from the first payment to the last cent of interest. Whether you are analyzing a mortgage, car loan, business loan, or any other fixed-rate debt instrument, this model handles it all with a single set of inputs.


What it does: enter your loan amount, annual interest rate, term in years, payment frequency, and optional extra payments. The model instantly calculates your periodic payment using Excel's native PMT function, then builds a complete period-by-period amortization table showing payment date, opening balance, scheduled payment, extra payment, interest portion, principal portion, and closing balance for every period. For a 30-year monthly mortgage that's a full 360-row schedule, automatically. The Dashboard summarizes the key outputs as KPI cards and draws the outstanding balance curve so you can see the loan payoff trajectory at a glance.


Who it is for: finance professionals, analysts, CFOs, bankers, real estate investors, and anyone who needs to understand the economics of a loan beyond just the monthly payment.


What makes it different: this is a fully-unlocked Excel model you own and can modify. All outputs are Excel formulas, not static numbers. The Sensitivity sheet lets you see how total interest changes across nine interest rate scenarios and a 5x5 rate-by-term matrix, useful for comparing loan offers or stress-testing refinancing decisions. Formula cells are protected while input cells remain fully editable.


Includes 9 professionally formatted sheets: Cover, Instructions, Assumptions, Inputs, Calculations (full amortization schedule), Dashboard (KPIs and chart), Sensitivity (rate and rate x term tables), Checks (8 automated validations), and Version History.