3 articles
A mid-lease renewal moves two balances by two different amounts, and almost every Excel lease template on the internet only ever tracks one of them. Here's the classic PV + INDEX build, the Excel 365 SCAN engine that spills both schedules from three cells, and a free workbook that ties them to the cent.
One contract modification has three possible accounting answers, and the one you land on is decided by a ratio most workbooks never calculate. Here's the classic build that derives the classification instead of asking for it, the Excel 365 LET that spills all three treatments side by side, and a free workbook that ties every one of them back to total consideration.
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.