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Access Amortization Template 1.0

Microsoft Access Loan Amortization 1.0 Template

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A Loan Amortization is one of the more complex things to calculate properly. Sure, you can do basic amortization in an Excel sheet, but dealing with all of the rounding errors and applying payment overages to principal only is a nightmare.

I cover the basics of Loan Amortization in my Excel Expert 6 class, and I have a more complex Loan Amortization Seminar which shows how this database was built. This database template is available for people who want just the database template, but don't need the video instruction. 


  • Calculate the monthly payment based on loan amount, interest rate, number of years
  • Automatically adjust final payment to ensure there are no rounding errors
  • Create full amortization schedule showing principal and interest for each month
  • Track beginning and ending balance for each period
  • Allow monthly payment overage to subtract from principal balance
  • Recalculate monthly interest payments as data changes
  • Monthly payments automatically stored and applied where needed


  • I recently updated the database template for this Seminar. See Loan Amortization Template 2.0.
  • If you purchased a copy of version 1.0 of this original template between 2021-06-13 and 2022-06-13 you qualify for a free copy. If you purchased it before that date, you get a 50% discount. Contact me for details.

Sample Database

If you'd like to download a sample copy of the database template, you can do so here. This is a non-editable version of the template which will let you see it work in action. Sample databases are available for 32-bit and 64-bit versions of Access 2007 or higher, and there is also a version for Access 2003.

Full Developer Database

Once you have purchased the full developer database template, come back to this page and click on the Download button below. This will give you access to the ZIP file containing the Template ACCDB file. The full version will run on 32-bit or 64-bit Access 2013 or higher (possibly 2007, but I haven't tested it). There is also an older database for Access 2003 users.

Full Video Seminar

If you would like to learn how this database was built, again, get the Loan Amortization Seminar. It covers everything step-by-step. Please note that the full Seminar database is completely different from the simpler Template database available for purchase on this page. The Seminar database is much more advanced and includes extra features such as a different payment frequency (monthly, bi-weekly, etc.). Don't confuse the two. On this page you're buying just the Template database. If you want the more advanced database, you need to purchase the Loan Amortization Seminar.

Support Not Provided

Please note that technical support is not provided to people who just purchase the Template. That's what the Seminar is for: to explain how the database works. If you have questions, you will just be forwarded to the Seminar page. 


For internal use only. This template does NOT come with a royalty-free license. You may only customize the template for your business needs and for use within your organization at one location ONLY. You may not resell or distribute any form of this template to others without express written permission. Contact me for additional information on obtaining a license to distribute if you plan on including this template in a product you are reselling. Additional licenses are required if you plan on using this template with more than ten (10) employees or in multiple locations within your organization.

Not a Finished Product

Please keep in mind that most of my template databases are not designed to be finished products that are ready to go in a working environment. My templates are meant as starting points for you to customize for yourself so you don't have to reinvent the wheel. This requires that you have a basic understanding of Microsoft Access development. To work on most of my databases you should have completed my Access Beginner series and the first couple levels of my Expert series at a minimum. Most of my databases require knowledge of SQL and VBA as well. 

Customize For Your Needs

If you would like to discuss customizing this template for your needs, and integrating it into your current setup, please see my consulting page for details. While I no longer accept custom jobs that are specific to a single user, I may include your features in a future version of this template if they have mass appeal. If you are looking for custom enhancements made to this template just for you, visit my Developer Network.

Technical Support

Please note that technical support is NOT guaranteed for any of my courses, seminars, or templates. If you require help with modifying this template, you may post a question in the Forums, however an answer to your question is not guaranteed. If this template comes with an accompanying Seminar, then you should purchase that Seminar to see how the database was constructed. If not, then you should have taken the suggested courses. Most of my templates are designed on a Developer level and you should have a thorough understanding of SQL and VBA before attempting to modify them. If you have a problem with one of my databases, I will only support the unmodified database exactly as it's downloaded from my site. If you have modified it in any way, it may not be something I can help you with. You can post in the Forums, and I may be able to help you, but if the issue doesn't exist in my unmodified database, it's not something I can support.


Got sales or customer service questions about this template? Feel free to contact me. If you have technical "how do I" questions about this template, you discover a bug, or want to suggest a new feature, then please post your comments below.

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Comments for Access Amortization Template 1.0
Age Subject From
2 yearsNot Calculating ProperlyTimothy Schmidt
2 yearsHow To Use This DatabaseTimothy Schmidt


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