Returns the cumulative principal paid on a loan between two periods.
Синтаксис
CUMPRINC(rate, nper, pv, start_period, end_period, type)Аргументы
rateобязательно
The interest rate per period.
nperобязательно
The total number of payment periods.
pvобязательно
The present value or total amount of the loan.
start_periodобязательно
The first period in the calculation.
end_periodобязательно
The last period in the calculation.
typeобязательно
When payments are due: 0 for end of period, 1 for beginning of period.
The CUMPRINC function calculates the total principal portion of loan payments within a specified range of periods. It is useful for determining how much of a loan balance has been paid off between a start and end period.
=CUMPRINC(0.05/12, 360, 200000, 1, 12, 0)→-4356.51Calculates the cumulative principal paid in the first year of a 30-year loan at 5% interest.
Define loan parameters
Ensure your interest rate is consistent with the payment frequency (e.g., divide annual rate by 12 for monthly payments).
Enter the formula
Input the CUMPRINC function with the start and end periods representing the range you want to analyze.
CUMPRINC returns a negative value because it represents an outgoing cash flow (payment) from the borrower's perspective.