personal finance – HowtoExcel.net https://howtoexcel.net Analytics. Automation. Process Improvement. Thu, 04 Dec 2025 00:40:57 +0000 en-CA hourly 1 https://wordpress.org/?v=6.9 https://howtoexcel.net/wp-content/uploads/2019/01/h2eicon.png personal finance – HowtoExcel.net https://howtoexcel.net 32 32 How to Calculate Your Mortgage Payment in Excel https://howtoexcel.net/2025/12/how-to-calculate-your-mortgage-payment-in-excel.html Tue, 02 Dec 2025 04:54:37 +0000 https://howtoexcel.net/?p=11098 Most people rely on online mortgage calculators in order to calculate and estimate their mortgage payments. But with Excel, you can do the exact same thing with just a single function. The PMT (Payment) function can quickly and easily calculate payments. It is precise, flexible, and easy to use. Here is how to calculate your […]

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]]> Calculate Interest Savings on a Credit Card Balance Transfer in Excel https://howtoexcel.net/2024/06/calculate-interest-savings-on-a-credit-card-balance-transfer-in-excel.html Tue, 18 Jun 2024 02:05:13 +0000 http://axb.srl.mybluehost.me/?p=9078 A balance transfer for a credit card allows people to move the outstanding balance from one or more credit cards to a new card, often with a lower interest rate. The purpose of a balance transfer is to reduce the amount of interest paid on existing debt, which can help cardholders save money. Many credit […]

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]]> Free Credit Card Payment Calculator https://howtoexcel.net/2023/10/free-credit-card-payment-calculator.html Mon, 23 Oct 2023 23:51:17 +0000 http://axb.srl.mybluehost.me/?p=8193 Staying on top of your credit cards is an important goal when trying to get from out of debt. A credit card payment calculator is a valuable tool that can help you do just that, helping you to become debt-free sooner. The credit card payment calculator template I’ll go over in this post is free […]

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]]> How to Calculate Credit Card Interest https://howtoexcel.net/2023/10/how-to-calculate-credit-card-interest.html Tue, 17 Oct 2023 01:36:21 +0000 http://axb.srl.mybluehost.me/?p=8176 Credit card interest is a cost that cardholders incur when they carry a balance beyond the grace period, which is typically between 25 to 30 days after a billing cycle ends. This interest is calculated based on the Annual Percentage Rate (APR) provided by the credit card issuer. Understanding how this interest is computed is […]

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]]> How to Calculate APR in Excel https://howtoexcel.net/2022/08/how-to-calculate-apr-in-excel.html https://howtoexcel.net/2022/08/how-to-calculate-apr-in-excel.html#respond Tue, 23 Aug 2022 17:14:18 +0000 http://axb.srl.mybluehost.me/?p=7202 The Annual Percentage Rate (APR) on a loan tells you what your total borrowing cost is per year. It’s different from just the interest rate because it will include other expenses and fees relating to a loan. And for that reason, the APR will be higher than the interest rate. If there are no additional […]

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]]> https://howtoexcel.net/2022/08/how-to-calculate-apr-in-excel.html/feed 0 Free Credit Card Payment Calculator Template in Excel https://howtoexcel.net/2022/03/credit-card-payment-calculator.html https://howtoexcel.net/2022/03/credit-card-payment-calculator.html#respond Tue, 15 Mar 2022 02:46:55 +0000 http://axb.srl.mybluehost.me/?p=6799 Are you wondering how much you should put down on your credit card each month to ensure you aren’t taking decades to pay off your balance? With this free credit card payment calculator template, you can plug in your balance, interest rate, and your expected monthly payment (either fixed or as a percentage of the […]

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]]> https://howtoexcel.net/2022/03/credit-card-payment-calculator.html/feed 0 How to Calculate Taxes in Excel https://howtoexcel.net/2021/07/how-to-calculate-taxes-in-excel.html https://howtoexcel.net/2021/07/how-to-calculate-taxes-in-excel.html#respond Tue, 13 Jul 2021 21:16:51 +0000 http://axb.srl.mybluehost.me/?p=5822 Want to estimate how much you might owe in taxes next year? If you are self-employed or have other income besides what you get from an employer, then you may find it useful to plan ahead of time and determine how much you might owe to ensure that you are putting aside enough money for […]

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]]> https://howtoexcel.net/2021/07/how-to-calculate-taxes-in-excel.html/feed 0 Mortgage Payment Calculator in Excel https://howtoexcel.net/2020/10/mortgage-payment-calculator-in-excel.html https://howtoexcel.net/2020/10/mortgage-payment-calculator-in-excel.html#respond Fri, 23 Oct 2020 23:37:44 +0000 http://axb.srl.mybluehost.me/?p=4323 Many people are out buying homes this year as interest rates are at record lows. But figuring out what you can afford can sometimes be a bit challenging. You need to factor in how much of a downpayment you can afford, what your monthly payments will be, and your income. Oftentimes you’ll end up doing […]

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]]> https://howtoexcel.net/2020/10/mortgage-payment-calculator-in-excel.html/feed 0 Income Tracker Template https://howtoexcel.net/2020/07/income-tracker-template.html https://howtoexcel.net/2020/07/income-tracker-template.html#respond Sat, 04 Jul 2020 03:29:30 +0000 http://axb.srl.mybluehost.me/?p=3775 If you earn income from multiple jobs, you know how important it is to keep track of how much you’re making. If you work too little, you may not be making as much as you were planning. And if you’re working a lot more, you could afford to give yourself a break. Whether you’re self-employed […]

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]]> https://howtoexcel.net/2020/07/income-tracker-template.html/feed 0 Monthly Expenses Template: Analyze Your Spending Quickly and Easily https://howtoexcel.net/2019/08/monthly-expenses-template-analyze-your-spending-quickly-and-easily.html https://howtoexcel.net/2019/08/monthly-expenses-template-analyze-your-spending-quickly-and-easily.html#respond Fri, 16 Aug 2019 18:50:13 +0000 http://a31.748.myftpupload.com/?p=2604 A great way to start finding opportunities to save money is by simply looking at your monthly expenses. It can be as easy as downloading your recent transaction data from your bank or credit card issuer. While there are apps that can do that for you, by downloading it you have more control over the […]

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