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Mortgage Payoff Spreadsheet, Extra Payment Calculator, Google Sheets + Excel (Digital Download)

Crushed Between

By Crushed Between

CrushedBetween ·

United States

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Highlights

  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 3 PDF, 1 other file

This mortgage payoff spreadsheet shows what your loan costs you in interest, when it is paid off, and what changes when you add the same extra payment every month.

How to use it:
1. Open the spreadsheet in Google Sheets through the access PDF, or open Mortgage Payoff Spreadsheet.xlsx in Excel.
2. Enter your balance, interest rate, years left, and next payment date on Start Here.
3. Enter the extra amount you would add to principal each month, or leave it blank to see the loan as it stands.
4. Add your monthly property tax, home insurance, mortgage insurance, and association dues to see the full amount that leaves your account each month.
5. Check that Scheduled Payment matches the principal and interest on your mortgage statement.
6. Open What Extra Does to read Months Saved and Interest Saved against your current payoff date.
7. Open Payoff Schedule to read the balance, interest, and principal for every month of the loan.
8. Save your copy and take the comparison to your loan servicer before you arrange extra payments.

What you get: a three tab workbook for Google Sheets and Excel with a 360 month amortization schedule, a quick start PDF in US Letter and A4 with a worked example, and a Google Sheets access PDF with the link.

The workbook ships blank, so nothing has to be cleared out before you enter your own loan.

This spreadsheet provides general education rather than financial advice, so discuss mortgage, refinance, or tax decisions with a licensed professional who knows your situation.

This is a digital download, and no physical item ships.

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Listed on 29 Sept, 2026
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