Pay schedule calculating dates

[marlicreative]

I'm trying to set-up some complex financial calculations, including amortisation schedules per new user record, based on data entered by the user as well as set annual figures from another table. I am struggling with the best way to set this up. 

There are 3 amortisation schedule type tables I need to set-up for each user, but am feeling that the horizontal nature of the table ( since the users are on the vertical axis) makes this a rather complex and confusing string of data. Perhaps there is a trick I am missing to make this easier? or have a nicer view without needing to automatically create tables for each new user and their specific schedules? 

[TheTimeSavingCo]

Any chance you could provide screenshots of your current setup as well as examples of calculations you'd like done?