Balloon Payment Loan Calculator - Aqua Blue edition. This Excel workbook works out the repayment profile of a loan that is amortised over one period but repaid in full, with a single large balloon payment, after a shorter one. You enter six values in the highlighted input cells: the loan amount, the annual interest rate, the amortisation period in months, the number of payments actually made, the start date of the loan and whether the loan is interest only. Interest is compounded monthly, payments are assumed to be made at the end of each month, and the balloon amount falls due together with the final scheduled payment. The summary block returns the level monthly payment, the unrounded balloon amount, the balloon payment as it appears in the schedule, the total of all payments made and the total interest paid over the life of the loan. For an interest only loan the monthly payment is simply one month of interest on the outstanding principal, and the whole of the principal is repaid in the balloon. The amortization schedule below the summary carries up to 360 monthly lines and splits every instalment into its interest, principal and closing balance components. The schedule shortens or lengthens automatically: rows beyond the number of payments you entered stay blank, and the last active line absorbs the outstanding balance as the balloon payment. Every figure is produced by live formulas, so changing any input immediately updates the summary, the schedule and the totals; only the shaded input cells should ever be typed into. The Help sheet explains the intended use, notes that the workbook suits car loans, business loans and mortgages, and reminds you that property taxes, escrow, insurance and closing costs are not included.
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