Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
Spreadsheet template: invoice tracker for a small agency
Sheet layout — tab "Invoices"
| Column | Header | Filled by |
|---|---|---|
| A | Invoice # | You |
| B | Client | You (drop-down from tab "Clients") |
| C | Issue date | You |
| D | Amount | You |
| E | Payment terms (days) | Formula |
| F | Due date | Formula |
| G | Paid on | You (leave empty until paid) |
| H | Status | Formula |
| I | Days overdue | Formula |
Formulas (excerpt, 6 of 10)
E2 — payment terms from the client list
=IFERROR(VLOOKUP(B2, Clients!A:C, 3, FALSE), 30)
Looks up the client's terms in the "Clients" tab; if the client isn't there, uses 30 days.
F2 — due date
=IF(C2="", "", C2 + E2)
Adds the terms to the issue date. Stays empty for blank rows.
H2 — status
=IF(C2="", "", IF(G2<>"", "Paid", IF(TODAY()>F2, "Overdue", "Open")))
Paid if a payment date is entered; otherwise Overdue after the due date, else Open.
I2 — days overdue
=IF(H2="Overdue", TODAY() - F2, "")
Dashboard!B2 — total outstanding
=SUMIFS(Invoices!D:D, Invoices!H:H, "<>Paid", Invoices!C:C, "<>")
Dashboard!A5 — balance by client (one formula fills the table)
=QUERY(Invoices!B:H, "select B, sum(D) where H <> 'Paid' and B is not null group by B order by sum(D) desc label sum(D) 'Owed'", 1)
Where to paste
- Put E2, F2, H2 and I2 in row 2 of "Invoices", then drag down to row 500
- Paste the two Dashboard formulas once; they update by themselves
- Conditional formatting on H2:H500: text is "Overdue" → light red fill
Edge cases handled
- Partly paid invoice: add a row with the remaining amount and a new number like INV-041b
- Client renamed: change it only in "Clients"; the drop-down keeps rows consistent
- Excel instead of Sheets: all formulas work except QUERY; use a PivotTable on columns B, D, H instead
Check example
Invoice INV-038, client Northside Dental, issued Sep 1, terms 14 days → due Sep 15. Today Oct 20, not paid → Overdue, 35 days.
Client: a 4-person video production studio. Tool: Google Sheets. Task: "We lose track of who has paid. We need one sheet that shows overdue invoices and how much each client owes."
The client and all details are made up.
About this service
Banks show you one monthly payment, but not how much of each payment is interest, what an extra payment saves or how a rate change shifts the schedule. We write the formulas for a loan or mortgage repayment sheet in Excel or Google Sheets: payment with PMT, a full amortization schedule and totals of interest paid. In Premium the sheet also handles extra payments, rate changes and payment holidays; it is a calculator, not financial advice.
What is included
- What you getFormulas for the payment and schedule, the sheet layout (columns, headers and sample rows as CSV text) and setup steps; in Premium also extra payment and rate change logic. Everything comes as text on the order page; we do not send a ready spreadsheet file.
- Monthly paymentAnnuity or differentiated
- Amortization scheduleInterest and principal by month
- TotalsInterest paid and payoff date
- Extra paymentsIn Premium: shorter term or lower payment
- Rate changesIn Premium: from a given month
How it works
- 1BriefYou give an example loan
- 2FormulasWe write the schedule and totals
- 3FixesIf something fails on your data, we fix it within your package
What we need from you
Excel or Google Sheets, the loan type (annuity or differentiated), and an example: amount, rate, term and start date.
We will ask you:
- Do you use Excel or Google Sheets?
- Is the payment annuity or differentiated?
- What are the amount, rate, term and start date?
- Do you plan extra payments?
Compare packages
| Packages | BasicPayment formulas$10 | StandardRepayment schedule$25 | PremiumSchedule with extras$49 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 3 days |
| Revisions | 1 | 2 | 3 |
| Formulas | up to 3 | up to 10 | up to 15 |
| Schedule template | No | Yes | Yes |
| Extra payments and rate changes | No | No | Yes |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Will the numbers match my bank exactly?
Usually close; banks may round differently or count days their own way. Compare the first rows with your bank schedule.
Should I refinance or pay early?
The sheet shows the numbers for each option, but the decision is yours. This is not financial advice.
Can it compare two loans?
Yes, in Standard and Premium the template can hold two offers side by side.