The primary purpose of an amortization schedule is to illustrate the remainder of a balance that a person still owes after every payment they make. Interest is a monetary charge for being able to borrow money. The principal amount represents the sum of money put into a loan or investment purchase. What is an amortization schedule?Īn amortization schedule is a list that displays all mortgage or loan payments and describes the payment cost for the principal amount and interest. In this article, we discuss what an amortization schedule is, provide eight steps to help you create your own schedule and explain why it's beneficial to use in Excel. To use this tool more efficiently in your own processes, it's important to learn how it works. Creating this schedule within Excel can help you better manage the resource, find your data and make necessary payment plan adjustments. Whether you're a borrower or lender, an amortization schedule is an essential tool that can help you track loan payments over an extensive period.
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