BALLOON LOAN CALCULATOR - AquaBlue edition ========================================== This workbook prices a balloon loan: a loan that is repaid with regular monthly instalments for a short period and then closed with one large final payment. You fill in five figures only - loan amount, annual interest rate, amortization period in months, payment period in months, and the date of the first payment - and every other cell is calculated for you. The monthly instalment is worked out with the PMT function over the full amortization period, so the regular payment stays as low as it would be on a long-term loan. The amortization schedule then rebuilds the loan month by month and shows, for each month, the payment date, the outstanding balance (derived with the FV function), the split between principal and interest, and the total payment. In the month that follows the payment period the schedule closes the loan: the entire remaining balance falls due as the balloon payment, and conditional formatting highlights that row automatically. The summary block reports the monthly payment, the total of all payments actually made, and the total interest paid over the shortened term. A pie chart sets the loan amount against the total interest so the real cost of borrowing is visible at a glance. Data validation keeps both periods to whole months - 2 to 180 for the amortization period and 2 to 179 for the payment period - which prevents a payment period longer than the loan itself. The schedule holds up to 180 monthly rows, unused rows stay blank, and the whole file is formula-driven, so changing any input recalculates the payment, the schedule, the totals and the chart instantly. This is the AquaBlue edition: the styling is aqua blue (#00ADEE) header with a deep blue table band, while the content, formulas and functions are identical to the original template. Sheets: Balloon (inputs, summary, chart, amortization schedule) - Read Me (how to use the sheet and the assumptions behind it) Input cells: E5 loan amount - E6 annual interest rate (%) - E7 amortization period (months) - E8 payment period (months) - E9 first payment date Sample data supplied: 50,000.00 at 12% per year, amortized over 80 months, repaid after 20 months, first payment 1-Jan-2027. Language: English. File format: Microsoft Excel (.xlsx), compatible with Excel 2007 and later, LibreOffice Calc and Google Sheets.
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