Excelモデル: 住宅ローンの早期返済計算機

タイトル： Early Mortgage Payoff Calculator

 説明：

 

This spreadsheet helps users calculate the benefits of making extra payments on their mortgage to pay it off early. It includes sections for loan information, a summary of loan payments with and without extra payments, and a detailed payment schedule.

 

  • ローン情報: Enter details such as loan amount, annual interest rate, term of the loan, and extra monthly payment.
  • Loan Summary: Compare monthly payment, number of payments, total payments, total interest, and interest savings with and without extra payments.
  • Payment Schedule: Track monthly payments, including breakdowns of principal and interest, cumulative totals, and remaining balance.

 

アドバイス/ヒント:
  • ローン情報:
    • Ensure all loan details are accurately entered before proceeding with calculations.
    • Regularly update the extra monthly payment to reflect any changes.

  • Loan Summary:
    • Review the summary to understand the overall impact of extra payments on your mortgage.
    • Use the summary to make informed decisions about how much extra to pay each month.

  • Payment Schedule:
    • Review the payment schedule to track progress and understand the distribution of interest and principal payments over time.
    • Use the schedule to plan for potential changes in monthly payments.

ソース： カスタム計算機

次のアイコンをクリックすると、新しいタブで完全なワークブック ビューアーが開き、簡単に編集して保存できるようになります。

次のアイコンをクリックするとスプレッドシートがダウンロードされ、編集内容とともにファイルをコンピューターに保存できます。

計算機の使用例:

スプレッドシートの使用の詳細な例: ユーザーが完了するタスク:

 

  1. ローン情報セクション:
    • Enter the loan amount, annual interest rate, term of the loan, and extra monthly payment.
      • Example values: Loan Amount – $250,000, Annual Interest Rate – 6.00%, Term of Loan – 30 years, Extra Monthly Payment – $500.

  2. Loan Summary:
    • Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
      • 例の値:
        • Monthly Payment: With Extra Payments – $4,152.14, Without Extra Payments – $3,652.14
        • Total Interest: With Extra Payments – $48,183.50, Without Extra Payments – $56,779.64
        • Interest Savings: $8,596.14
  3. Payment Schedule:
    • Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
      • 例の値:
        • Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86

インタラクティブ計算機が便利な理由:

This spreadsheet consolidates all information related to early mortgage payoff in one place, making it easier to evaluate the benefits of making extra payments. By providing a clear view of loan details, payment summaries, and schedules, it helps users make informed decisions about their mortgage strategy.

 

ソース： カスタムスプレッドシート

結論：

The Early Mortgage Payoff Calculator is an invaluable tool for managing and understanding the financial implications of making extra payments on a mortgage. By providing a detailed and organized approach to recording and analyzing mortgage data, it helps users achieve financial stability and make informed decisions about their mortgage payments. Regular updates and reviews ensure that the mortgage strategy remains aligned with changing financial conditions and goals.

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