[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
A loan amortization calculator template in Google Sheets generates an amortization schedule. It shows the principal and interest portion of each payment, along with the remaining balance after every payment is made. You can build one with four inputs and four formulas.<\/p>\n
[\/et_pb_text][et_pb_image src=”https:\/\/static.sheetgo.com\/wp-content\/uploads\/2026\/11\/loan-amortization-google-sheets-calculator-template.webp” alt=”Loan amortization Google Sheets \u2014 laptop showing a loan calculator with a 2,000,000 \u20ac loan at 3.80% over 30 years, a 9,319 \u20ac payment, 1,354,893 \u20ac total interest, and a balance chart” title_text=”Laptop showing a loan calculator with a 2,000,000 \u20ac loan at 3.80% over 30 years, a 9,319 \u20ac payment, 1,354,893 \u20ac total interest, and a balance chart” align=”center” _builder_version=”4.22.2″ _module_preset=”default” width=”100%” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_text _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
[\/et_pb_text][et_pb_text module_id=”what-is-an-amortization-schedule” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
An amortization schedule is a table showing each loan payment over time. It lists the remaining balance after each payment and the amount of interest paid over the life of the loan. The schedule typically includes information about the original loan amount, interest rate, length of the repayment period, and other details. An amortization schedule can be used to compare different loans and determine which one will provide the best overall savings.<\/p>\n
[\/et_pb_text][et_pb_text module_id=”what-is-included-in-a-loan-amortization” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
The schedule typically shows the principal and interest portion of each payment. This information can be valuable in understanding how a loan works and seeing how quickly it is paid off. The amounts listed on an amortization schedule are also helpful when budgeting<\/a> and planning for future payments.<\/p>\n An amortization schedule can also be used to calculate the total amount of interest paid over the life of the loan. This can be especially helpful in understanding how much a borrower will pay for a loan over time. When making financial decisions, it is essential to consider the total cost of a loan before making any commitments. An amortization schedule can help borrowers make informed decisions and maximize their savings.<\/p>\n By understanding how an amortization schedule works, lenders and borrowers can make better financial decisions. Having access to this information provides transparency and can help borrowers save money over the life of their loan.<\/p>\n [\/et_pb_text][et_pb_text module_id=”how-to-calculate-an-amortization-schedul” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n An amortization schedule can be calculated using several different formulas. Generally, the amount of interest paid for each payment is calculated based on the remaining balance of the loan and the interest rate. The principal portion of each payment is then subtracted from the total amount due to see how much will be paid in that period.<\/p>\n The exact formula for calculating an amortization schedule will depend on the type of loan. Some lenders may have their own formula or use a standardized one. It is crucial to understand the specific calculations used before making any commitments.<\/p>\n [\/et_pb_text][et_pb_text module_id=”how-to-make-an-amortization-schedule” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Creating an amortization schedule is relatively straightforward. First, the borrower must input information about the loan into a simple calculator or spreadsheet, including the loan amount, interest rate, and repayment period. The calculator will then generate a table displaying the principal and interest portion of each payment, along with the remaining balance after every payment is made.<\/p>\n An amortization schedule can also be created manually using a pen and paper. To do this, multiply the remaining balance by the periodic interest rate to get the interest due for that payment. Subtract the interest from the fixed payment to see how much goes toward the principal, then subtract that principal from the balance and repeat for the next payment.<\/p>\n [\/et_pb_text][et_pb_text module_id=”how-to-build-a-loan-amortization-schedul” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n The template in the screenshot above works out a 2,000,000 loan at 3.80% over 30 years. It returns a monthly payment of 9,319 and 1,354,893 in total interest. To build the same schedule, enter the inputs in column B:<\/p>\n Add the headers No., Date, Payment, Interest, Principal, and Balance in row 6. Then add these formulas in row 7:<\/p>\n Enter =A7+1 in A8 and copy it down to row 366. Copy B7:F7 down to row 366 as well, which gives you all 360 monthly payments. The balance reaches 0 in the last row, and =SUM(D7:D366) returns the total interest.<\/p>\n Each month, interest is charged on the remaining balance. So the interest part shrinks and the principal part grows, while the payment stays the same. Our guides to the PMT formula in Google Sheets<\/a> and the PPMT formula in Google Sheets<\/a> explain each argument. The EDATE formula<\/a> moves each payment date forward by one month.<\/p>\n [\/et_pb_text][et_pb_text module_id=”what-is-a-loan-amortization-calculator” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n A loan amortization calculator is a tool that can be used to quickly and accurately calculate an amortization schedule. These calculators are available online or as apps on mobile devices, making them easy to access.<\/p>\n Loan amortization calculators can be a valuable tool for borrowers and lenders alike. They make it easy to understand how the loan works and how much will be paid in total. Borrowers can use the calculator to plan their budgets and make informed decisions about their loans.<\/p>\n [\/et_pb_text][et_pb_text module_id=”what-is-a-loan-amortization-calculator-t” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n A loan amortization calculator template is a pre-made spreadsheet that can be used to quickly and accurately calculate an amortization schedule. These templates are available online and can be customized to fit the user\u2019s specific needs.<\/p>\n The template will require the user to input information about the loan, such as the amount borrowed, interest rate, repayment period, and other details. The calculator will then generate a table displaying the principal and interest portion of each payment, along with the remaining balance after every payment is made.<\/p>\n In conclusion, an amortization schedule is a helpful tool for understanding how a loan is structured and what the total cost of the loan will be over time. It can provide valuable information that helps lenders and borrowers make informed decisions about their loans. An amortization schedule can help borrowers save money by understanding the total cost of a loan and make better financial decisions.<\/p>\n For more ready-made spreadsheets, see our top 5 free finance templates in Google Sheets<\/a>. If your loan payments and balances feed other reports, Sheetgo’s AI finance virtual employee<\/a> can collect them into one spreadsheet and keep the figures current.<\/p>\n [\/et_pb_text][et_pb_text module_id=”frequently-asked-questions-faqs” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_text][et_pb_text module_id=”start-using-the-loan-amortization-calcul” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Amortiza\u00e7\u00e3o de empr\u00e9stimos no Google Sheets: monte uma tabela de pagamentos mensais com PMT, IPMT e PPMT e veja os juros e o principal de cada parcela.<\/p>","protected":false},"author":2,"featured_media":266788,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[57],"tags":[],"class_list":["post-266786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-templates"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/posts\/266786","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/comments?post=266786"}],"version-history":[{"count":1,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/posts\/266786\/revisions"}],"predecessor-version":[{"id":266789,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/posts\/266786\/revisions\/266789"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/media\/266788"}],"wp:attachment":[{"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/media?parent=266786"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/categories?post=266786"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sheetgo.com\/pt\/wp-json\/wp\/v2\/tags?post=266786"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}How to calculate an amortization schedule?<\/h2>\n
How to make an amortization schedule?<\/h2>\n
How to build a loan amortization schedule in Google Sheets<\/h2>\n
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What is a loan amortization calculator?<\/h2>\n
What is a loan amortization calculator template?<\/h2>\n