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lets say hypothetically youre wanting to buy a nice beautiful house on a 30-year mortgage well how would you figure out what your payment schedule is well you can use this spreadsheet check the description below you can download it automatically for free so were going to put in cell c2 30 so were going to say that this is a 30 year mortgage and we need to find the total number of payments well with mortgages you pay monthly so were going to do 30 times 12 so we find 360 totally total monthly payments and lets assume that this house youre purchasing is four hundred thousand dollars okay so a nice four hundred thousand dollar home sounds very cozy the interest rate is going to be five percent on you can put in whatever amount the bank is quoting you on that but we need to find the monthly rate so its going to be 5 divided by 12. so this gets us what is your monthly rate but now we need to find the monthly mortgage payment so this is the amount of money thatd be coming out of you