A spreadsheet with various financial data is displayed on a computer screen. The spreadsheet contains columns labeled 'Principal Amount', 'Interest Rate', 'Years', 'Balance', and 'Ending Balance'. The rows show calculations for different loan scenarios, with the first row showing a principal amount of $2,000, an interest rate of 10%, and a loan term of 5 years. The 'Balance' column shows the total amount owed at the end of each year, and the 'Ending Balance' column shows the total amount owed at the end of the loan term. The spreadsheet also includes a 'Charge' column with a value of $0