Instant Excel Download

Seller Finance Core — Excel Calculator for Seller-Financed Real Estate Deals

Works for any owner-financed structure — seller carry, land contract, or contract for deed.

Structure any seller-financed deal with precision. Full 360-row amortization with balloon support, cash vs. seller finance ROI comparison with present value discounting, and a print-ready deal term sheet — all in a single 6-tab Excel file. Enter your numbers once. Every tab updates automatically

Instant Download * Compatible with Excel & Google Sheets * No Subscription Built by an Active Investor

One-time Purchase

$27

Instant Download

No Recurring Fees

What's Inside - Seller Financing Core

The Basics You Need to Model Any Owner Financed Deal

Enter your loan parameters once on the Calculator tab and every other tab updates automatically. No rebuilding formulas, no manual recalculations — just real answers for real deals.

Full Amortization Schedule

Month-by-month payment breakdown for up to 30 years. Shows scheduled payment, extra payment, interest, principal, and running balance for every row.

Annual Summary

Year-by-year rollup of principal, interest, and year-end balance. Rows auto-hide after payoff — clean output for any loan length.

What-If Scenario Planner

Three reverse calculators in one: find your max loan amount, solve for payoff term, or back-solve the required interest rate. Plus a combined view that updates all four outputs at once.

Balloon Payment Scenarios

Compare three balloon timing options side by side. See total payments made, interest paid to balloon, remaining balance due, and total interest cost for each scenario.

4-Way Deal Analysis

The standout feature. Compare Cash Sale vs. Keep Note vs. Sell Note vs. Sell Partial Note across net cash, total deal value, net profit, ROI, and time to full cash. The winner is flagged automatically.

Deal Inputs

Shared input engine. Enter sale price, down payment, rate, term, balloon date once — every other tab pulls from here automatically.

REEP Comparison Table Preview

Compare Versions

Which Tool Is Right for Your Deal?

All versions run in Excel and Google Sheets. Buy once, use on every deal.

	Free Calculator Free Web-based · No download	Seller Finance Core $27 One-time · Excel file	Most Complete Seller Finance Pro $72 One-time · 11-tab Excel file
▼ Core Deal Analysis 8 features
Monthly P&I Payment Instant payment calculation from deal terms	✓	✓	✓
Full Amortization Schedule Month-by-month payment, interest, principal, and balance	✓	✓	✓
Annual Summary View Year-by-year rollup of principal, interest, and balance	✓	✓	✓
Shared Input Engine Enter deal terms once — all tabs update automatically		✓	✓
Balloon Payment Support Model balloon timing and automatic payoff detection		✓	✓
Loan Summary Dashboard Effective yield, LTV, total interest, and payoff stats		✓	✓
Cash vs. Finance ROI Comparison Side-by-side ROI with present value discounting		✓	✓
Print-Ready Deal Term Sheet One-page summary clean enough for buyers, title, or attorneys		✓	✓
▼ Advanced Analysis — Pro Only 5 features
Balloon & Payoff Modeler Payoff at any month · lump sum · recast · extra payment analysis			✓
Buyer Qualifier Weighted 6-factor scorecard · A–F grade · plain-English verdict			✓
Wrap Loan Analyzer Spread · yield · 30-yr amort · due-on-sale flag · TX compliance			✓
Installment Sale Tax 453 20-yr gain schedule · recapture · lump vs. installment tax comparison			✓
3-Way Scenario Modeler Compare 3 deal structures side by side · winner flags on every metric			✓
▼ Format & Delivery 5 features
Works in Excel & Google Sheets		✓	✓
No Subscription One-time purchase or free — no recurring charges	✓	✓	✓
Instant Access Use online immediately (free) or download after purchase	✓	✓	✓
Free Updates New versions included at no additional cost		✓	✓
Email Support		✓	✓
Start with the tool that fits where you are.	Try Free Tool No signup required	Buy Core — $27 Instant download	Buy Pro — $72 Instant download

How the Seller Financing Calculator Works

From Download to Decision in Minutes

No learning curve. Open the file, enter your deal terms, and let the calculator do the rest.

Enter Your Deal Terms

Input sale price, down payment, interest rate, term, and balloon date into the yellow input cells on Deal Inputs. Everything else updates automatically.

Review the Analysis

Amortization runs. Loan Summary populates. Cash vs. Finance comparison updates live with your numbers.

Make a Confident Decision

Export the Deal Print Summary as a clean one-pager, or use the Cash vs. Finance tab to make a confident exit decision before you commit.

Everything Included With Your Download

The Owner Financing Calculator — One File, Every Deal

A single, professionally built Excel file — no fluff, no upsell, no recurring fee. Everything an investor needs to structure and analyze a seller-financed deal.

6-tab Excel calculator purpose-built for seller-financed real estate deals
Shared input engine — enter deal terms once, all tabs update automatically
Full 360-row amortization schedule with balloon support and automatic payoff detection
Loan Summary with key yield and payoff metrics at a glance
Cash vs. Finance ROI comparison with present value discounting
Print-ready one-page deal term sheet — clean enough to hand to buyers or title
Yellow guided input cells — no Excel expertise required
Works in Excel 2016+ and Google Sheets — no plugins, no subscriptions
Instant digital delivery — download immediately after purchase, keep forever

Real Estate Edge Pro

Seller Finance Core Calculator

One-time purchase • No subscription

$27

One-time Purchase

Buy Once, Use on Every Deal

Secure Checkout • Instant Delivery

All sales are final. If you experience a technical issue, we’ll make it right. See our Refund Policy.

Need more? Seller Finance Pro adds 5 advanced tabs: balloon modeling, buyer scoring, wrap analysis, installment tax planning, and 3-way scenario comparison.

FAQ

Common Questions

What version of Excel is required?

The Seller Financing Calculator is compatible with Microsoft Excel 2016 and later on both Windows and Mac, as well as Google Sheets. It does not require Excel 365 or any premium subscription — the standard desktop version works fine.

Do I need to know Excel to use the Calculator?

No. All input cells are highlighted in yellow so you know exactly where to type. Every other cell is locked and formula-driven — you enter your deal terms and the calculator handles the rest. If you can open a spreadsheet, you can use this tool.

How do I get the product after purchase?

As soon as your payment is processed, you’ll receive an email with a download link. You can also access your purchase at any time from your account dashboard. There’s no waiting and nothing to ship — the file is yours immediately.

What if I have a question or need support?

Reach us at support@realestateedgepro.com. We respond within 24 hours Monday through Friday. If you’re experiencing a technical issue with your download or the file itself, we’ll make it right.

Is this a subscription or a one-time purchase?

One-time purchase, $29. No subscription, no renewal, no recurring charge. You own the file. Free updates are included if we release a new version while you’re a customer.

What's the difference between Core and Pro version?

Core covers deal structuring — amortization, loan summary, cash vs. finance, and a print-ready term sheet. Pro adds 5 advanced tabs: Balloon & Payoff Modeler, Buyer Qualifier, Wrap Loan Analyzer, Installment Sale Tax 453, and 3-Way Scenario Modeler. See Seller Financing Pro.

Ready to Run the Numbers on Your Next Deal?

Stop Estimating. Start Knowing.

$29 once. Every seller-financed deal you’ll ever structure, fully analyzed.