IFRS 9 Automated Loan Amortization Tool

This Excel Power Query tool generates multiple IFRS 9–compliant loan schedules in seconds — complete with end-to-end journal entries.

No formulas. No macros. Just pure Power Query.

And that’s not all 👇

🔹 Scale & Usability

- Generate unlimited loan schedules in a single sheet

- Slice, filter, and analyse instantly using built-in slicers

🔹 IFRS 9 Core Engine

- Effective Interest Rate (EIR) and transaction cost accounting

- Accurate nominal interest with a dual-balance model

🔹 Advanced Instrument Support

- Floating and fixed-rate instruments (including modification accounting)

- Balloon payment structures

- Advance and arrears repayment timing

- Multiple frequencies: Monthly, Quarterly, Semi-Annual, Annual

🔹 Flexible Structuring

- Retail (annuity) and Corporate (equal principal) modes

- Moratorium / grace periods with extension options

🔹 Robust by Design

- Handles all valid permutations across structures and scenarios

- Automated journals for the entire loan lifecycle, mapped to central GLs

💡 How it works:

Input your loan parameters, hit Refresh All, and instantly generate a complete IFRS 9–compliant amortisation schedule — with journals from day one to maturity.

Built entirely with advanced M code.

Worksheets contain zero formulas and zero macros..