Does anyone make an Excel template for compound interest loans that will
automatically expand out the lines for additional payments, and which will
let you for a given payment specify an arbitrary amount of the original
principal you are repaying?

Every compound interest application I have found so far calculates the next
periods compound interest by adding the last period's interest into the loan
amount. That's fine for purposes of calculating the next interest payment,
but it's bad from the standpoint of keeping track of the original principal.
Repayment of original principal is not taxable, whereas payment of interest
due is taxable, so ideally you would like to have fine tuned control on how
much of each payment is repaying principal.

Does any Excel template offer this flexibility?

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W