PMT

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

Most amortization tables are a fragile ladder of copy-down formulas that shatter the moment you insert a row. Here's the classic PMT/IPMT/PPMT build that never chains off the row above, the Excel 365 spill that produces all 360 rows from one cell, and a free workbook that also prices what an overpayment actually buys you.