You have recently taken a position in a bank. Your first client would like assistance planning for a loan. You want to set up a detailed loan amortization table.

You want to build in mechanisms to prevent formula errors if input data are missing and to hide zeros from displaying if your client takes out a shorter-term loan or pay it off early. However, you must keep formulas in place for a traditional 30-year loan. In addition, you will notice overpayments on the last payment if you pay extra toward the principal each month. To make the amortization table as flexible as possible and to avoid errors, you will create several nested IF functions.

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