Mortgage Tracker Excel Spreadsheet – Variable & Fixed Loan Amortization Calculator (Digital Download)

Track your mortgage repayments, interest, and payoff timeline with this powerful Excel mortgage tracker and loan amortization spreadsheet.

Unlike basic loan calculators, this spreadsheet supports both fixed-rate and variable (floating) interest loans, making it ideal for real-world mortgages in New Zealand, Australia, the UK, and other international markets. Simply enter your loan details and instantly see how repayments, interest, and extra payments affect your mortgage over time.

This easy-to-use Excel template gives you clear visibility over your loan, helping you make smarter decisions, reduce interest, and plan your path to becoming mortgage-free.

Who This Spreadsheet Is For

✔ Homeowners managing fixed or floating mortgage rates
✔ First-home buyers planning repayments and affordability
✔ Property investors tracking interest and extra repayments
✔ Anyone who wants a clear, visual mortgage dashboard in Excel

✅What’s Included

This digital Excel download includes three fully interactive tabs:

Instructions Tab
A simple step-by-step guide to help you get started quickly.

Mortgage Tracker & Dashboard
Automatically generates a full amortization schedule with monthly and annual views, plus visual dashboards showing loan balance, interest vs principal, and progress toward payoff.

Affordability Calculator
Estimate how much you can comfortably borrow based on your income, expenses, and risk tolerance.

You’ll also receive a sample file with pre-filled data so you can see exactly how everything works before entering your own numbers.

💡Key Features

• Supports fixed-rate and variable/floating-rate loans
• Automatically generates a full amortization schedule
• See how extra payments reduce interest and loan term
• Visual dashboards for at-a-glance insights
• Built entirely in Microsoft Excel (Office 365 compatible)
• Customisable for different currencies and repayment strategies

📦 What You’ll Receive

• Instant digital download
• A ZIP file containing the Excel spreadsheet plus a sample version
• Free help or minor customization available — just send a message

Important Notes

• Designed for use in Microsoft Excel (not Google Sheets)
• Suitable for mortgage and loan repayments (not credit cards)
• Taxes, insurance, and bank fees are not automatically included unless entered manually
• Digital product — no physical item will be shipped
• All sales are final due to the nature of digital downloads
• For personal use only — not for resale or redistribution

✨ Make smarter mortgage decisions and stay on track — directly from your Excel dashboard.✨