What is Debt Amortization & Why It Matters
If your company has any kind of term loan, equipment financing, or structured debt, you need to track amortization. This means understanding exactly how each payment breaks down into principal vs. interest—and how that changes over time.
For SaaS founders, operators, and finance teams, this isn’t just accounting—it’s cash flow management, runway forecasting, and investor reporting.
What This Excel Template Does (Works on Mac)
This Debt Amortization Template works seamlessly in Excel for Mac—no macros, no Windows-only features. It calculates:
• Monthly payments based on loan amount, rate, and term
• Exact split of each payment into interest and principal
• Running loan balance after each payment
• Full amortization schedule from start to payoff date
How to Use It (Step-by-Step)
1. Enter Loan Terms
• Loan Amount (e.g., $600,000)
• Interest Rate (e.g., 10%)
• Term (number of months)
2. Review Your Payment Schedule
The file auto-generates:
• Payment amount (fixed or variable depending on structure)
• Interest paid each month
• Principal reduction each month
• Remaining loan balance after every payment
3. Track & Forecast Cash Flow
For founders and operators, this template makes it easy to:
• Understand future debt payments (no surprises)
• Forecast cash flow with debt obligations included
• See how much of each payment actually reduces your debt vs. just servicing interest
4. Use It for Board & Investor Reports
Finance teams can quickly export the amortization table for:
• Investor updates
• Board decks
• Monthly cash flow tracking
Why Founders & Finance Teams Love This File
✅ Excel for Mac compatible (no broken formulas)
✅ Works for term loans, equipment loans, and more
✅ Fully editable to match any financing terms
✅ Saves hours vs building from scratch
Download the Debt Amortization Template (Excel for Mac)
If your startup has any debt, you need this template. Skip the manual work, and start tracking your loan amortization in minutes—right inside Excel for Mac.