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At the end of the interest only period (10 years), the loan would be amortized over the last 20 years. That is, the spreadsheet would then calculate a new monthly payment including interst and principle for the next 240 payment periods.

At that point it's an adjustable, right?

My guess is it'll re-amoritize every time it adjusts.

Which makes it almost necessary to create your own spreadsheet because you dont' have an easily modeled situation that can be done in a few entry boxes on a web form.
The functions you'll probably want to look for are 'PPMT() IPMT() and PMT()' in Excel.

Good luck
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