Excel 365: Build a Loan Amortization Schedule in One Formula (No Helper Columns)

Wed, 19 Aug 2026 00:00:00 +0000

Okay, real talk: almost every loan amortization schedule in the wild is held together with hope. You type PMT once, work out the interest and principal for row one, then drag the whole thing down 360 rows and call it a mortgage. It looks authoritative. It even reconciles to the penny — right up until someone inserts a row to add a note, changes the term from 30 years to 15, or refinances halfway through, and the entire ladder quietly comes apart at the seams.

Amortization on Ask Eijaz

Excel 365: Build a Loan Amortization Schedule in One Formula (No Helper Columns)