I am looking for a excel spreadsheet that can compare a fixed rate mortgage loan to that of an adjutable interest only loan. It would need to show how much quicker they would pay down their outstanding balance by making the same payment they are now making versus the interest only payment. It would have to recalculate when the adj rate goes up and IDEALLY where the adjustable rate would have to go up to based on the newly reduced outstanding balance before they would be hurt as compared to their current fixed rate loan.