BI SmartStudio™ | NZ Property Loan Amortization Suite

Take control of your loan repayments with a clean, professional‑grade Excel amortization model. Adjust loan inputs, test extra payments, and instantly see how your payoff date, interest cost, and balance curve change without touching a single formula. WHAT THIS TEMPLATE DOES

This template calculates your full loan amortization schedule and visual pay down chart based on the inputs you provide. You can:

Model different loan amounts, terms, and interest rates.

Switch between Monthly, Semi‑monthly, Bi‑weekly, and Weekly payments

Add an optional extra payment and see how much faster you pay off the loan

Compare baseline vs accelerated payoff using a clean visual chart

Everything updates automatically as you change the inputs. KEY FEATURES

Simple, guided inputs: All user‑editable fields are shaded orange. Just enter your loan details—no formulas required.
Automatic loan metrics: The model calculates periodic interest rate, total number of payments, regular payment amount, total interest, and more.
Dynamic amortization schedule: See every payment with beginning balance, payment amount, interest, principal, extra payment, and ending balance.
Extra payment simulation: Add a recurring extra payment and instantly see months saved and interest saved.
Pay down chart: Visualise your loan balance over time, including the impact of extra payments.
Protected structure: All formulas and layout cells are locked down so you (or your clients) can’t accidentally break the model.
Professional layout: Clean, readable, and designed to feel like a premium financial tool—not a messy spreadsheet. WHO THIS TEMPLATE IS PERFECT FOR:

Homeowners, small business owners and investors comparing loan scenarios

Mortgage and finance professionals who want a clean tool to use with clients

Advisors and planners who need a simple, visual way to explain loan dynamics

Excel‑savvy users who want full control without building from scratch

Designed by BI Smart Studio™, specializing in clean, user‑friendly financial models and dashboards for real‑world decision‑making.