Loan Amortization & Debt Schedule Model — Excel Template with Prepayment & Refinancing

What This Model Does

This Excel Loan Amortization and Debt Schedule model builds a complete month-by-month amortization table for a term loan, splitting every payment into interest and principal and tracking the declining balance from origination to payoff. It supports an optional one-time lump-sum prepayment in a chosen month and models a refinancing scenario at a lower interest rate so you can quantify potential interest savings before committing.

Who It Is For

Built for:

• Corporate finance and treasury teams tracking debt service schedules


• Small business owners modeling a loan before signing


• Real estate investors amortizing a mortgage


• Financial analysts who need a clean debt schedule for LBO or credit models
  
  

What Is Included

The workbook follows the BK Finance Models Playbook v3.0 architecture with 9 sheets:

• 00 Cover


• 01 Instructions


• 02 Assumptions


• 03 Inputs (loan terms, prepayment, and refinancing assumptions)


• 04 Calculations (full monthly amortization engine)


• 05 Dashboard (payment summary and declining balance chart)


• 06 Sensitivity (interest rate vs. total interest table)


• 07 Checks (10 automated validation checks)


• 09 Version History
  
  

Formatting: Blue cells are user inputs, black cells are protected formulas. The file works in Microsoft 365, Excel 2016+, and LibreOffice Calc.