How many payments fit on one sheet?

24 rows; start a new sheet once it fills up, a 30-year mortgage will need several sheets over time.

Does extra payment always go to principal?

Usually, but confirm with your lender, some require you to specify that extra payments apply to principal rather than future payments.

Free Mortgage Payoff Tracker Printable

Track mortgage payments and any extra principal you send toward paying it off ahead of schedule. Watching the balance drop is real motivation to keep sending extra.

Mortgage Payoff Tracker
US Letter · PDF · Free, no signup

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Date	Payment	Extra Principal	Interest	Remaining Balance

How to Use This Printable

Log each payment: date, regular payment amount, any extra principal.
Note how much of the payment went to principal vs. interest, if your statement shows it.
Update the Remaining Balance column after each entry.
Keep going, extra principal early in the loan saves the most interest overall.

Ideas for Using This Printable

Even small, consistent extra payments add up meaningfully over a 15-30 year loan.
Pair with the Net Worth Tracker to see how the shrinking balance affects your overall picture.
Recheck your amortization schedule periodically to see the real payoff date shift.

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FAQ

How many payments fit on one sheet?: 24 rows; start a new sheet once it fills up, a 30-year mortgage will need several sheets over time.
Does extra payment always go to principal?: Usually, but confirm with your lender, some require you to specify that extra payments apply to principal rather than future payments.