Multi-Borrower Loan Ledger (Monthly or Daily Interest)

A lender's ledger for up to 10 borrowers, one tab each, with a summary of principal left, interest received, interest due next and who has paid off. Choose per borrower whether interest is a monthly rate (a full month earns balance × rate) or an annual rate counted by actual days. Reducing balance on every payment, with worked examples for extra borrowing, interest-only payments, paying down principal to zero and mid-month payments. Flags rates above the legal cap, shows Thai Buddhist-era dates, and works in Excel and Google Sheets.