Excel 模型：提前还款计算器
标题： Early Mortgage Payoff Calculator
描述：
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.
- 贷款信息： 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.
- 贷款信息：
- 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.
来源： 自定义计算器
单击以下图标可在新选项卡中打开完整的工作簿查看器，让您轻松编辑和保存。
单击以下图标下载电子表格，您可以将文件与编辑内容一起保存在计算机上。
使用电子表格的详细示例： 用户需要完成的任务：
- 贷款信息部分：
- 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.
- Example values: Loan Amount – $250,000, Annual Interest Rate – 6.00%, Term of Loan – 30 years, Extra Monthly Payment – $500.
- Enter the loan amount, annual interest rate, term of the loan, and extra monthly payment.
- Loan Summary:
- Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
- 示例值：
- 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
- 示例值：
- Review the total payments, number of payments, total interest, and interest savings with and without extra payments.
- Payment Schedule:
- Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
- 示例值：
- Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86
- Month 1: Payment – $4,152.14, Interest – $1,250, Principal – $2,902.14, Balance – $247,097.86
- 示例值：
- Review the payment schedule, including breakdowns of principal and interest, cumulative totals, and remaining balance.
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.
来源： 自定义电子表格
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.
ZH 
EN 
PT 
SW 
ML 
AR 
ES 
EL 
ES_ES 
FR 
HI 
IT 
JA 
KO 
PT_PT 
PL 
DE 
LT 
UK 
KA 
DE_AT 
NB 
NN