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A printable 17-page PDF workbook for building a loan amortization schedule in Excel and then proving it: 6 input cells, 8 formula columns with the exact formulas to type, a row-1 hand check you do on paper first, a 10-point audit, and a gap-shape table that routes any difference between your sheet and the servicer's statement to its mechanical cause. This is the workbook, not the spreadsheet file: you build the sheet in your own Excel, and this organizes, wires and audits it. If it can't reproduce one of your real statements to the cent, ask for your money back.