As a side note, was it your understanding that we also had to do columns E-L, line76 so that it would fill in B76?

Yes. Per the Instructions tab: " - For mortgage and personal loans, enter the original principal, length, and interest rate in cols. E, F, and I in the appropriate rows. Excel will calculate the payment."

As I said earlier, I have several rental properties (with mortgages). I’d put my half of the mortgage in this section, right? Also, I am doing my spreadsheet for 2018. I had a small loan in 2018 that is now paid off. But I need to include it here anyway? And I’m assuming I should do the loans at what they would be in December of 2018, not January? Are my questions making sense?

If you are doing this for tax estimation purposes, and you want to look specifically at 2018 taxes, use the 2018 version linked at

Case Study Spreadsheet updates. Otherwise, using the most recent version is usually best.

For rental mortgages, there are (at least) two ways to proceed, neither of which will be "accurate" but either might be "good enough".

a) include interest payments in cell B34, and principal payments in cell D56. Of course these will change from month to month, so pick some average.

b) enter the loan terms in one or more of rows 133-137. Outside the spreadsheet, subtract the mortgage interest from rental income before entering cell B33. Again, this is a moving target, thus the comment about accurate vs. good enough.