I'd like to think that not much about this spreadsheet needs explaining - it ought to be pretty straightforward, after all, if you have a basic knowledge of loan components. Please use the spreadsheet that's appropriate for the program you've got. The other version is for OpenOffice Calc (.ods). When you extract the ZIP file (tutorial), you'll actually find two separate spreadsheets. There's only one worksheet in the spreadsheet itself, and what few instructions there are, are right there. There's more about the purpose of the VLA spreadsheet later on this page. The VLA spreadsheet is pretty simple, really, and shows up like this: I call this my "Variable Loan Amortization" spreadsheet. Now that I've had a host of people ask me for some sort of spreadsheet to track loans with variable terms (like a changing interest rate, or perhaps non-equal payments), I've come up with something that I think should work nicely for most cases.
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