Amortization schedule with veriable payments
I need an amortization schedule that allows changing the monthly payment
amount. I have a house that I have sold to someone with a contract for deed.
I have an amortization schedule, but due to them having some financial
probems they have lowered the monthly payment with my permission. That is
why I would like to change the payment amount after 2 years of calculated
payments. I would appreciate any ideas. Gervis
> I need an amortization schedule that allows
> changing the monthly payment amount.
Off-hand, I don't know of a free template...How to track Zero-Coupon Bonds or U.S. Treasury Bills
I've looked all over the internet for the answer to this one, and the only
one I found was that you could create entries for reinvested interest;
however, doing that would affect your tax calculations and wouldn't
accurately reflect your income.
I'm glad to say, I've figured out a better way that will really track the
performance and correctly state your portfolio value without affecting the
tax calculations. So on to sharing the wealth:
Say you buy a $10,000 6 month Treasury Bill at the discount rate of 97.4773.
You would make an entry into your portfolio account for a...amortize
Will MS Money 03 amortize loans and manipulate the numbers? None of the
boxes or the salespeople know.
Money has a type of account, the Loan Account, for amortized loans. It has a
type of transaction, the Loan Payment, that calculates interest expense and
Principal Transfer components of each payment.
That may or may not answer your question.
"Asussertown" <DROPsussertown@adelphia.net> wrote in message
> Will MS Money 03 amortize loans and manipulate the numbers? None of the
> boxes or the salespeople know.
Money ...Accumulate Amortized Expenditures by month
I need some help with an excel sheet and you guys may be the ones to
I have a list of capital expenditures that I want to amortize over X
Lets say office equipment is $10,000 and we are amortizing it over 12
months starting 1/1/11. That gives us a monthly cost of $833.33
Total capital expenditures by month
1/1/11 - $833.33
2/1/11 - $833.33
3/1/11 - $833.33
4/1/11 - $833.33
5/1/11 - $833.33
6/1/11 - $833.33
7/1/11 - $833.33
8/1/11 - $833.33
9/1/11 - $833.33
10/1/11 - $833.33
11/1/11 - $833.33
12/1/11 - $833.33
So that is just one expense. No lets say in June we buy more
compu...Entering Savings Bond as CD versus zero-coupon bond
Why doesn't Money recommend entering a US Savings Bond as
a zero-coupon bond type of investment where the quantity
is the face value and the price is 50 (fifty percent of
I have entered each of my savings bonds as a "CD or US
Savings Bond." Then I set the value to what I paid, 50%
of the face. I have recently added an "interest"
transaction to show the accumulated interest as well.
When I view my asset allocation all this show up
under "cash." Further, if I view my portfolio it does
not show the face value.
What is the harm in recor...Amortization table problem
I am trying to set up a dynamic amortization schedule that allows me t
change the loan variables (interest rate, length of loan, amount, etc.
I am using the PPMT and IPMT functions to calculated the principal an
interest payments for each period. My model covers a 30 year tim
The problem occurs when I set the loan time less than 30 years. Fo
example, for a 20 year loan I have a line that counts 1, 2, 3, ..., 20
0, 0, to tell the PPMT and IPMT equations which period to calculate.
But when it reaches year 21, a zero feeds into the PPMT equation fo
time period, resulting in a #NUM...Corporate bonds
I have a situation where the capital gain on a bond isn't taxable but the
Is there a way to flag this in Money so that it appears correctly in tax
I doubt the Money folks ever envisioned such a situation - could you explain
Michael Gordon - MVP
"CWatters" <firstname.lastname@example.org> wrote in message
> I have a situation where the capital gain on a bond isn't taxable but the
> income is.
> Is there a way to flag this in Money so that it appears correctly in tax
> reports...Amortization calculator
I have a copy of Money 97 that had an amortization calculator included that I
absolutely love. My copy of Money 97 will no longer run on my Windows Vista.
Does anyone know of any products that have a amortization calculator similar
to this one?
In microsoft.public.money, shurbyz wrote:
>I have a copy of Money 97 that had an amortization calculator included that I
>absolutely love. My copy of Money 97 will no longer run on my Windows Vista.
> Does anyone know of any products that have a amortization calculator similar
>to this one?
how do i create amortization tables in Excel 2003
You can either create one yourself with Excel's financial functions; see
or use one of many templates, like these:
Microsoft MVP - Excel
"Mpho" <Mpho@discussions.microsoft.com> wrote in message news:39A31A72-2793-402D-A1D1-FA45B6D64920@microsoft.com...
| how do i create amortization tables in Excel 2003
...Loan amortization #2
In the loan amortizaiton template, how do I change the settings so that the
payments are calculated as being paid at year-end rather than at the
beginning of the period?
I WOULD LIKE TO GET A AMORTIZATION SCHEDULE. DOES WORKS
(VERSION 7) ALLOW ME TO DO THIS.
ANY HELP APPRECIATED
Please don't SHOUT. It hurts my eyes and is entirely unnecessary.
If Works version 7 has a spreadsheet component, yes, it can be used to
generate an amortization table.
"CRABBY" <email@example.com> wrote in message
> I WOULD LIKE TO GET A AMORTIZATION SCHEDULE. DOES WORKS
> (VERSION 7) ALLOW ME TO DO THIS.
What are the benefit(s) of creating an amortization schedule in MS
>What are the benefit(s) of creating an amortization schedule in MS
As opposed to doing it manually with paper, pencil and an 80 year old
printed table of compound interest rate accumulation factors?
...Amortization of Fannie Mae Bonds
Does Money 2004 have the capability to handle
Amortization Factors or Amortized Values for bonds, such
as Fannie Mae.
The Money Help screen (Bonds) acknowledges that the FNMA
bonds will return principle, and a Return of Capital
transaction can be entered. However, the transaction
does not seem to have the correct effect on either Market
Value or Cost Basis.
Does the Return of Capital transaction have any effect on these values?
"Frank S." <firstname.lastname@example.org> wrote in message
&g...loan amortization schedule #2
I am looking for a template to plug-in the payment, loan amount, interest
rate and term for a loan to get a amortization table. Also if one of the
four above are missing it will calculate the missing number.
...Help with amortization template
I have used the Amortization template but would like to adjust it so
that it automatically fills in the missing value. If I have 3 of the 4
values (note amount, term, payment and interest rate) it would fill in
the missing value and create an amortization table.
How do I do this? Thanks.
In cells A1:F1, enter
In Cells A2:F2, enter the formulas:
(Note that these formulas will return errors initially - the errors will resolve when you have
entered three of the four items)
I would like to create a macro that creates an amortization table.
Something like putting in the present value, rate, and number of months then
have excel use as many rows as necessary to output the princ/int values.
Can this be done? Is there a sample somewhere that does anything like this?
Why not try recording and then changing rows to a variable controlled by
years in a cell/12
"Bradley M. Small" <BSmall@XNOSPAMXmjsi.com> wrote in message
> I would like to create a ma...Amortization of Prepaids
We have a fair number of prepaid invoices amortized over time. Currently
these invoices are charged to a prepaid account, maintained in excel, then
amortized to the expense account via journal entry each month. The problem
with this process is that, when reviewing expense variances/trends, I cannot
identify what each of the debits in the expense account represents without
consulting the excel spreadsheet.
Does GP provide the ability to spread the expense to different periods from
within the purchasing module? This is the only potential solution I can
think of where the link between ...Beware Loan Amortization report
Yet another report that doesn't do what it says it does...
Env: M04 Deluxe. Loan Transaction report set to include transactions from
register and to show "Paid from account". Instead of the Paid From account,
it shows the loan account name for the loan you are reporting on. How
Does anybody actually test this stuff in any rigorous way? I understand how
intermittent hangs and corruption problems and so forth are hard to test
for. But that the options in a customize dialog do what they say they do?
...mortgage amortization error
I made a large extra principal payment on my mortgage. MS Money produced an
updated amortization schedule showing the new principal payment would be a
much larger percentage of my total payment (that is, each payment would
include much less interest than before).
The actual allocation for the next payment on July 1 followed the original
amortization schedule rather than the new one.
In dollars, in June my monthly payment of $870 included $584 in principal.
In July--after the large extra payment--the amortization schedule showed the
July payment would be about $710 in princi...Edit amortization schedule in scheduled payments
Allow full edit of all fields in the amortization schedule that is generated
in Scheduled Payment (PM). There are often times when a bank payment
schedule will change the interest rate each year, or calculate on 360 days
vs. 365 days for the interest. We should have the ability to create the
payment schedule to suit our business needs. Currently on the payment field
and the payment date are available for edit, and only if the interest rate is
This post is a suggestion for Microsoft, and Microsoft responds to the
suggestions with the most votes. To vote for thi...loan amortization
When paying extra principal on my mortgage the loan
amortization payment number stops and starts over again at
payment number one.
Was there a question here?
Seriously, loan payment numbers tend to do lots of flaky things. I have a
loan that pays weekly and it flat refuses to number them.
Whatever. Number them yourself if you care; you can change these at will.
Personally, I'd leave an extra principal payment number blank.
"dave" <email@example.com> wrote in message
> When paying extra principal on my mortgage the ...Loan amortization #2
I am setting up Microsoft Money 2006, and I would like to have my mortgage
listed as one of my accounts, so I can automatically see how much principle
is still owed. I also would like to have my mortgage set up as an automatic
bill each month. However, when I have the automatic payment set up, it
simply deducts that entire payment (PITI) from the principal amount owed,
even though I have a fixed loan and my principle payment changes each month.
I would like to set it up somehow so that when I automatically pay the
mortgage, the amount of the loan remaining changes to the correct amou...Formula
Can anyone provide a formula to calculate loan payments within a worksheet
to amortize a mortgage - i.e. term, rate, and amount given? I need to
auto calculate a couple variables for 15, 20, 25, and 30 years.
Have you tried the PMT Function?
Remove yourhat to reply by e-mail
"TwistedPixel" <firstname.lastname@example.org> wrote in message
> Can anyone provide a formula to calculate loan payments within a worksheet
> to amortize a mortgage - i.e. term, rate, and ...Complicated Amortization/Scheduled Payments
An example is a five year note that is interest only for the first 12 months,
then principal and interest for the remaining 48 months. As far as I can
tell, the built-in scheduled payments are limited to calculating principal &
interest over the legth of the schedule.
Is there an additional module or third party add-in that will handle the
more complex types of financing that some folks thrive on?
Thanks in advance
We have made some enhancements to the module. If you're interested, feel
free to contact me to discuss a possible customization.
&q...How to represent this amortization
I was wondering how I simulation an loan amortization of this type.
I have a loan called 30/15. Basically it is calculated over 30 years but
need to be paid in 15. What would be the best way to set it up ?
In microsoft.public.money, Thomas Poteau wrote:
>I was wondering how I simulation an loan amortization of this type.
>I have a loan called 30/15. Basically it is calculated over 30 years but
>need to be paid in 15. What would be the best way to set it up ?
If you know the payments, enter that data. Leave the interest blank
for Money to compute.