Escrow Shortage & Surplus Calculator
Run the numbers for a 12-month projection.
Use resource →NEW PRACTICAL RESOURCES
Loan and payroll tools worth using
Free, focused worksheets for payoff dates, account statements, escrow projections and certified payroll.
Private Loan Payoff Statement
Calculate and print with actual dated payments.
Use resource →WH-347 Wage & Fringe Preview
Estimate covered wages and fringe components.
Use resource →Expanded guide library
Loan, Amortization & Private Lending Guides
Learn how to build loan schedules, manage private-loan payment records, track principal and interest, calculate balances, review payoff questions, and understand seller financing.
Construction payroll and WH-347
Preparing weekly certified payroll for a Davis-Bacon project? Review the WH-347 requirements, then try our Windows software for Excel/CSV import and WH-347 PDF preparation.
WH-347 certified payroll guide → · WH-347 certified payroll software & free demo →Templates and practical loan worksheets
New loan workflow guides
Solve the problem before choosing the software.
These guides cover payment coupon books, escrow analysis, and loan reconciliation using the same practical tasks the Windows programs are designed to handle.
Printable Loan Payment Coupon Book
What to include on payment coupons and how to organize a borrower coupon book.
Read guide →RESPA Escrow Analysis
Understand the 12-month aggregate trial balance, expected disbursements, and cushion.
Read guide →Loan Payment Reconciliation
Rebuild a loan when actual payments differ from the original amortization schedule.
Read guide →Private Loan Payment Coupons
Using coupon books for seller financing and private loans.
Read guide →Escrow Shortage, Surplus & Deficiency
How to interpret the result of an escrow analysis.
Read guide →Payoff After Irregular Payments
Why the original schedule may not give the correct payoff amount.
Read guide →24 focused guides
Find the loan question you need to solve.
Each guide covers one specific concept and links to calculators or software when a numerical schedule helps.
Private lending
Private loan management and seller financing
Record actual payments, balances, principal, interest, and year-end activity after a private loan is made.
How to Track Payments on a Private Loan
Build a dependable payment and balance record.
Private Loan Payment Ledger
Know which fields belong in an auditable loan ledger.
Balance as of a Selected Date
Calculate a reproducible historical balance.
Principal and Interest in Seller Financing
Track the payment split and year-end totals.
Private Loan Software vs. Excel
Know when a spreadsheet stops being enough.
Seller Financing Amortization
Understand scheduled payments and balloon balances.
Core amortization
Amortization Formula and Worked Example
Calculate a payment and follow the first schedule rows.
Read guide →Why Early Payments Are Mostly Interest
Follow the first payment and the shift from interest to principal.
Read guide →Common Amortization Schedule Errors
Audit rates, dates, frequencies, rounding, and extra payments.
Read guide →Simple Interest vs. Amortized Interest
Compare a fixed principal simple-interest example with a declining-balance loan.
Read guide →Interest rates and timing
Amortization vs. Compound Interest
Separate repayment mechanics from interest-on-interest growth.
Read guide →Nominal vs. Effective Interest Rate
Convert a quoted nominal rate to an effective annual rate.
Read guide →Effective Interest Rate vs. Discount Rate
Understand two rates that use different bases.
Read guide →Daily Interest vs. Monthly Interest
See how day counts and actual dates change interest.
Read guide →Changing Interest Rates
See a loan change from one rate to another.
Read guide →Fixed vs. Variable-Rate Amortization
Understand reset dates, indexes, caps, and recalculation.
Read guide →Inflation and Fixed Loan Payments
Separate contractual dollars from purchasing-power effects.
Read guide →Payoff and strategy
Extra-Payment Amortization Schedule
See how one principal payment changes interest and payoff.
Read guide →Early Loan Payoff
Compare remaining principal with future interest.
Read guide →Biweekly Loan Amortization
Compare monthly and accelerated biweekly structures.
Read guide →Refinancing an Amortization Schedule
Compare the old remaining loan with proposed new terms.
Read guide →Special loan structures
Balloon-Payment Amortization
Calculate the balance due at an early maturity date.
Read guide →Interest-Only and Negative Amortization
Learn when payments hold principal steady or let it grow.
Read guide →Seller Financing Amortization
Track private notes, payments, and balloon balances.
Read guide →Escrow and Loan Payments
Separate taxes and insurance from principal-and-interest amortization.
Read guide →Equity and education
Software reference
Amortization Pro Features & Pricing
Review the branded Windows product page for version details, editing features, evaluation limits, and $49 licensing.
Review Amortization Pro →Software comparison
Compare Amortization Pro, TValue 6, and Amortization Plus 2.
Review current pricing, platforms, schedule flexibility, reports, exports, and evaluation options using facts from each developer's official website.
Build a schedule while you learn.
Use the free online calculator or download the Windows evaluation.
Put the guide concepts into numbers.
Use all 40 free calculators for payments, extra principal, payoff, daily interest, mortgages, debt, savings, investing, balloon balances, Rule of 78, and more.
Popular daily-interest tools: Daily Interest & Per Diem · Mortgage Per Diem · Interest Between Dates · Payoff Per Diem