ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to Calculate Repayment of a Loan in Excel

Updated on January 7, 2019

Prepare form

Use the same columns and rows that you'll be able to copy the formulas. When you're finished, you'll be able to carry out calculations for different amount, interest rates, the number of annuities with different maturity period.

Prepare the form as shown below.

Enter the data

Before you enter the formulas, fill the cells with initial data.

Number of months of repayment

Number of months of repayment is calculated by multiplying the number of annuities and with how much is the monthly annuity.

Copy to C9 : =D5*C7

The calculation of annuity - compound method (conformal)

Formula for the calculation is quite complicated. Copy it into cell B11.


The calculation of annuity - simple method (proportional)

Copy the formula in cell C11

= B5*((((1+(C5/(1200/C7)))^D5)*((1+(C5/(1200/C7)))-1))/(((1+(C5/(1200/C7)))^D5)-1))

The rest is easy

in B12 copy =D5*B11
C12 =D5*C11
B13 =B12-B5
C13 =C12-B5
D11 =C11-B11
D12 =C12-B12
D13 =C13-B13

Now you have a template that can be used to calculate the annuity with a different data.

That's all.

I am very glad that you did it!


The amount that a borrower in equal installments (monthly, quarterly, half-yearly, annual) returns the lender is called annuity. Each installment consists of interest and repayment. Repayment is amount which reduces outstanding debt of the borrower.

Please share your opinion !

What is the highest interest rate you are willing to pay?

See results

Made-craft repayment

Calculate loan repayments or mortgage is really simple. If someone borrow from $ 100 at an annual interest rate of 10%, then you have at the end of the year to return to his lender borrowed $ 100, and had to pay $ 10 interest - a total, therefore, $ 110. It did not say, however, that you can immediately repeat the loan on the same terms and at the end of next year again to return borrowed $ 100 and $ 10 interest - a total of $ 110 in the second year. If you look two years back, you'll see that during two years at their disposal with the principal of $ 100, and you have to pay the fees total $ 20 interest.

You agree that interest is taxed ?

See results

Estimated time of preparation and production

Prep time: 5 min
Cook time: 15 min
Ready in: 20 min
Yields: Annuity Calculator

Please rate your satisfaction with banks.

5 stars from 1 rating of Banks


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)