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Free Farm Loan & SACCO Repayment Tracker (Excel, KES)

A SACCO or bank loan is manageable when you can see it, and dangerous when you cannot. This free tracker shows it clearly: enter the amount, the interest rate and the term, and it builds the full reducing-balance schedule, splits each payment into interest and principal, and tells you the balance remaining and whether anything is overdue.

Download — Excel (.xlsx) ↓Opens in Excel or Google Sheets · no sign-up
Prefer Google Sheets? You don't need Microsoft Excel →
  1. Download the file above.
  2. Open Google Drive, then New → File upload and choose the file.
  3. Right-click it in Drive → Open with → Google Sheets. It becomes a fully editable Google Sheet — every formula and tab intact — and works on your phone too.

The .xlsx format opens free in Google Sheets, LibreOffice, or Excel for the web — no paid software required.

What's inside

  • Reducing-balance schedule from a real PMT formula
  • Each payment split into interest and principal
  • Balance remaining, always current
  • DUE and OVERDUE reminders on missed instalments
  • KES throughout; only the yellow cells accept typing
  • Works in Excel or Google Sheets

The tabs

  • Start Here (guide)
  • Loan Details
  • Schedule
  • Payments Made

Yellow cells only. You type in the yellow cells; the rest are locked formulas. Gridlines are off and it prints clean on A4.

Basic vs Premium

The free version does the job. The premium does more of it.

The free basic workbook above is a complete, formula-driven template you can use forever. The premium upgrade adds the extras that turn record-keeping into a management tool.

Basic — Free

  • The core sheets and formulas, in KES
  • Works in Excel or Google Sheets, on your phone
  • Yours to keep, no sign-up

Premium — KES 500

  • A dashboard of balance, interest paid and progress, drawn as bars
  • A printable repayment schedule (A4) for your records
  • Multiple-loan support on one sheet
  • Swahili labels alongside English (Salio, Malipo, Riba)
Get Premium — KES 500 · Excel (.xlsx) ↓Pay once via M-Pesa (Kenya) · yours to keep · opens in Excel or Google Sheets

On Loan Details, enter the amount, the annual interest rate, the term in months and the start date. The Schedule builds itself on a real reducing-balance basis: for each month it shows the opening balance, the payment (computed with a proper PMT formula), how much is interest, how much is principal and the closing balance, down to a zero at the end.

As you log payments made, the tracker flags anything DUE or OVERDUE, so a missed instalment cannot creep up on you. Yellow cells are your only inputs. The premium version adds a progress dashboard, a printable schedule and room for several loans at once. Opens in Excel or Google Sheets.

Do it online instead

Track the farm's money with Biashara Yangu

Open the free tool →

Custom work

Need a template made just for you?

Can't find the exact workbook, or want one branded and built around how your business actually runs? We build custom Excel & Google Sheets — bespoke financial models, dashboards, sector trackers, data clean-up and automation. Need it in English or Kiswahili, or another language? Just ask. Tell us what you need and we'll quote.

Request a custom template or Excel service →Email info@leadafrik.com

Frequently asked questions

Is the basic version free?

Yes. The basic repayment tracker is free to download and keep. The premium upgrade, with a dashboard, a printable schedule and multiple-loan support, is an optional KES 500.

Is the schedule reducing balance?

Yes. It uses a proper PMT calculation, so interest is charged on the balance that remains and each month more of your payment goes to principal. This matches how most SACCOs and banks compute a loan.

How do the reminders work?

Log each payment as you make it. If a scheduled payment date has passed and no payment is recorded against it, the row shows an OVERDUE flag, so you always know where you stand.

Tools & templates you may need

Agri-Loan Readiness & Farm Financials →Farm Record Book (KES) →Dairy Farm Records →Poultry Farm Manager →Crop & Shamba Farm Records →Maize Farm Budget Calculator →Tea Farm Income & Expense Tracker →Coffee Farm Record Book →Farm Inventory Manager →Farm Workers Payroll →All templates →

Available in English, with Kiswahili labels in the premium version. Need it in another language, or a custom build? Email info@leadafrik.com.