Excel's Formula - sisman

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346 Part III: Financial <strong>Formula</strong>s Summary information The user can now change the term; the interest rates; and the payments, which can and usually will change the maturity date. For the summary information, you want to sum only the relevant rows. The formula in C13 is =SUMIF($G15:$G374,”>=0”,C15:C374) After the Balance in column G is zero, the amortization is complete. This SUMIF function sums only those payments up until that point. This formula is copied across to the interest and principal columns, and the absolute column reference ensures the new formulas still point to column G. The schedule With so many user changeable fields in the schedule, many of the formulas have to change to account for different conditions. An amortization schedule has two kinds of user input data: Data that changes for one payment only Data that changes for all subsequent payments When the interest rate changes for one payment, it changes for all subsequent payments — at least, until it changes again. It doesn’t go back to the old rate. For that reason, the APR column relies on the data directly above it. The formula in B15 pulls the starting interest rate from the user input section. This formula, in B16 and copied down, simply repeats the previous month’s rate: =B15 This allows the user to enter a new rate when it changes and have that rate continue down until it’s manually changed again. In this example, the bank informed you that the rate was reduced to 4.8% for the fifth payment (row 19). That rate was entered in B19, and all rates after that reflect the change. The payment date is an example of data that changes for one payment. If a payment is made late, it doesn’t mean that all subsequent payments will be late. In this example, the third payment (row 17) was made ten days late. This had no effect on the next month’s payment, which was made on time. For this type of data, the increments need to be made against a base that doesn’t change. The formula in A15 is =DATE(YEAR(Loan_Date),MONTH(Loan_Date)+ROW()–14,DAY(Loan_Date)) This formula is copied down to all the rows. Unlike the previous example, it doesn’t rely on the date above it. Rather, it uses the Loan_Date range as its base. Because the payments start in row 15, the current row less 14 is used to increment the month.
Chapter 13: Financial Schedules 347 The point of these formulas is to allow the user to overwrite the formula with a literal date value and not affect the rest of the dates. In cell A17, the user replaced the formula by entering a new date, which changed the calculation for that payment but did not affect future payments. Because you provide a separate column for an additional payment, the payment should never change — except that it needs to account for any previous rounding errors in the last payment. The formula in C15 is =IF(G14+E15–Monthly_Payment–D15
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Excel ® Microsoft 2010 ® Microsof
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Excel® 2010 Formulas Published by
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Publisher’s Acknowledgments We’
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vi Part VII: Appendixes Appendix A:
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viii Keyboard shortcuts . . . . . .
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x Potential Problems with Names . .
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xii Date-Related Functions . . . .
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xiv Working with Tables . . . . . .
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xvi Chapter 13: Financial Schedules
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xviii Creating Links to Cells . . .
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xx Excel’s Auditing Tools . . . .
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xxii Does the text match a pattern?
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1 INTRODUCTION Welcome to Excel 201
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VBA code listings Introduction 3 Do
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Introduction 5 This chapter is abso
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Introduction 7 You can also use thi
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Basic Information Chapter 1 Excel i
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Introducing Worksheet Functions In
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Let Excel insert functions for you
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Manipulating Text In This Chapter
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Working with Dates and Times In Thi
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Figure 6-10: This worksheet convert
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Figure 6-11: This worksheet uses ti
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Counting and Summing Techniques In
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Getting a quick count or sum Chapte
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Yet another way to perform this cou
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Figure 7-14 shows this formula at w
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The following array formula does th
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Using Lookup Functions In This Chap
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About the SUBTOTAL function Chapter
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You can specify more complex filter
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10 Miscellaneous Calculations In Th
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Need to convert other units? Solvin
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Table 10-1: Excel Rounding Function
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Round it up to the nearest penny.
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Financial Formulas Chapter 11 Borro
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Introducing VBA In This Chapter ●
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Figure 22-2: The Macro Settings sec
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Introducing the Visual Basic Editor
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Immediate window Chapter 22: Introd
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3. Type the name of your function i
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x = 1 InterestRate = 0.0625 LoanPay
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A Multifunctional Function Chapter
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Worksheet function data types Gener
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Function RANGERANDOMIZE(rng) Dim V(
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Appendixes Appendix A Excel Functio
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768 Part VII: Appendixes Turn off
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770 Index array formulas (continued
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772 Index CONVERT function, 275-277
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776 Index For-Next loops, 652-654 F
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778 Index LOGNORMDIST function, 718
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784 Index tables (continued) rows,
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786 Index VBA (continued) data type
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788 Index
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5. Limited Warranty. (a) WPI warran
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COMPUTERS/Spreadsheets $49.99 US $5
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