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in this tutorial Im going to show you how to make a fixed-rate loan payment calculator so basically just how to use an Excel spreadsheet to calculate your payments on a loan and then to figure out of that payment how much youre paying for the principal how much for the interest and how much you have left on the loan so let me go ahead go ahead and explain what I have here Ive got a box for the amount of the loan a box for the yearly interest rate so the annual interest rate a box for the term of the loan in years and then I have a box which is going to tell you what the monthly payment is going to be due for the loan underneath that I have a box for the monthly rate and thats because if youre going to pay it monthly you need to know the monthly interest rate and not just the yearly interest rate down here I have it laid out so its going to show you what month youre in the payment for the month which is its going to be the same because this assumes fixed rate the amount for tha