📊 INTEREST-ONLY LOAN CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Interest-Only Loan Calculator is a flexible Excel tool for modelling loans with an initial interest-only period followed by standard amortisation. It includes frequency-based compounding, extra payment logic, and estimated interest savings—ideal for borrowers, lenders, and financial advisors comparing repayment strategies.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Interest-only period logic with adjustable term and frequency
• Amortisation schedule with extra payments and balance tracking
• Summary section with total interest, payments, and savings estimate
• Help worksheet with compounding and payment type guidance

🎯 Perfect For:
• Borrowers considering interest-only loans
• Lenders modelling repayment scenarios
• Financial advisors comparing loan structures
• Educators teaching amortisation and interest mechanics

⚙️ Features:
• Calculates interest-only payments and post-period amortisation
• Supports extra payments and early payoff modelling
• Includes tax deduction and interest savings logic
• Excel-native formatting—no macros or plugins required
• Reusable across loan types and payment frequencies

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