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["Highline Excel 2013 Class Video 50: Financial Functions: PMT, RATE, NPER and FV 12 Examples"]
[]
["Num.","Topics:"]
[1,"PMT function from Borrower point of view"]
[2,"PMT function from Lender point of view"]
[3,"PMT function with Balloon payment at end"]
[4,"PMT function when payments don't start for 1 year"]
[5,"RATE function: Adjusted APR when there are Points and Fees"]
[6,"PMT and other formulas: Create an Amortization Table"]
[7,"CUMIPMT function: to calculate total interest over the life of a loan"]
[8,"NPER function: How long to pay off your Credit Card Bill"]
[9,"FV to estimate what you will have at retirement"]
[10,"PMT to estimate how much you can withdraw each month after you retire"]
[11,"Calculate how  total you can withdraw after retirement and how much you actually deposited while saving."]
[12,"PMT to calculate how much you have to save each month to have a million dollars when you retire."]

{"sheet":"Notes","index":1,"n_rows":65,"n_cols":8,"rows_kept":65,"cut":false,"hidden":false,"merged":[]}
[null,"PMT function:"]
[null,"PMT function calculates the period payment for a loan (For the Borrower or the Lender). "]
[null,"Each pmt must be the same.",null,null,null,null,null,"Periodic PMT Definition:"]
[null,"Time period between each pmt must be the same.",null,null,null,null,null,"Each pmt must be the same."]
[null,"Interest rate must remain constant.",null,null,null,null,null,"Time period between each pmt must be the same."]
[null,"PMT function arguments:"]
[null,"rate = period rate (month, quarter, yearly, etc.)"]
[null,"nper = total number of periods"]
[null,"pv = amount of loan on the day it is issued (present value of future cash flows)"]
[null,"fv = value of loan on last day (balloon payment)"]
[null,"type ="]
[null,"End = omitted = 1 = payment at end of period"]
[null,"Begin = 0 = payment at beginning of period"]
[]
[null,"Cash Flow matters in Finance."]
[null,"Cash going out of the wallet is negative."]
[null,"Cash coming into the wallet is positive."]
[null,"PMT function Cash Flows:"]
[null,"For the borrow the PV is positive, the PMT is negative, and the FV is negative."]
[null,"For the Lender the PV is negative, the PMT is positive, and the FV is positive."]
[null,"Be consistent with your unit of time!"]
[null,"If you are calculating monthly payment, you need monthly interest rate and total number of months!"]
[null,"The period can be monthly, quarterly, yearly or any other length."]
[]
[null,"FV function:"]
[null,"Calculates the future value of an investment, for either a lump sum or a savings plan"]
[null,"Interest rate must remain constant."]
[null,"Each pmt must be the same."]
[null,"Time period between each pmt must be the same."]
[null,"FV arguments:"]
[null,"rate = period rate (month, quarter, yearly, etc.)"]
[null,"nper = total number of periods"]
[null,"pmt = equal periodic payments"]
[null,"pv = amount of loan on the day it is issued (present value of future cash flows)"]
[null,"type ="]
[null,"End = omitted = 1 = payment at end of period"]
[null,"Begin = 0 = payment at beginning of period"]
[]
[null,"RATE function:"]
[null,"Calculates the period rate"]
[null,"Each pmt must be the same."]
[null,"Time period between each pmt must be the same."]
[null,"Interest rate will remain constant."]
[null,"RATE arguments:"]
[null,"nper = total number of periods"]
[null,"pmt = equal periodic payments"]
[null,"pv = amount of loan on the day it is issued (present value of future cash flows)"]
[null,"fv = value of loan on last day (balloon payment)"]
[null,"type ="]
[null,"End = omitted = 1 = payment at end of period"]
[null,"Begin = 0 = payment at beginning of period"]
[]
[null,"NPER function:"]
[null,"Calculates the total number of periods"]
[null,"Each pmt must be the same."]
[null,"Time period between each PMT must be the same."]
[null,"Interest rate must remain constant."]
[null,"NPER arguments:"]
[null,"rate = period rate (month, quarter, yearly, etc.)"]
[null,"pmt = equal periodic payments"]
[null,"pv = amount of loan on the day it is issued (present value of future cash flows)"]
[null,"fv = value of loan on last day (balloon payment)"]
[null,"type ="]
[null,"End = omitted = 1 = payment at end of period"]
[null,"Begin = 0 = payment at beginning of period"]

{"sheet":"PMT","index":2,"n_rows":38,"n_cols":7,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[1,"PMT function from Borrower point of view"]
[null,"Price of Car",34799,"Annual Interest Rate",6.5000000000000002E-2]
[null,"Down Payment",10000,"Monthly Interest Rate"]
[null,"Loan Amount",null,"Years for Loan",5]
[null,"PMT end of period",null,"Total Months"]
[null,"Monthly Payment ",{"$f":"-C4/((1-(1+E2/E6)^(-E4*E6))/(E2/E6))","v":0},"Periods per Year",12]
[null,"PMT begin of period",null,"Type, 0 = End, 1 = Beg",1]
[]
[2,"PMT function from Lender point of view"]
[null,"Price of Car",{"$f":"C2","v":34799},"Annual Interest Rate",{"$f":"E2","v":6.5000000000000002E-2}]
[null,"Down Payment",{"$f":"C3","v":10000},"Monthly Interest Rate"]
[null,"Loan Amount",null,"Years for Loan",{"$f":"E4","v":5}]
[null,"Monthly Payment ",null,"Total Months"]
[null,"Monthly Payment ",{"$f":"(C12/((1-(1+E10/E14)^(-E12*E14))/(E10/E14)))","v":0},"Periods per Year",{"$f":"E6","v":12}]
[]
[3,"PMT function with Balloon payment at end",null,null,null,null,"Borrower point of view"]
[null,"Price of Car",50000,"Annual Interest Rate",5.2499999999999998E-2]
[null,"Down Payment",5000,"Monthly Interest Rate"]
[null,"Loan Amount",{"$f":"C17-C18","v":45000},"Years for Loan",3]
[null,"Balloon Payment",-5000,"Total Months"]
[null,"Monthly Payment ",null,"Periods per Year",12]
[]
[4,"PMT function when payments don't start for 1 year",null,null,null,null,"Borrower point of view"]
[null,"Loan Amount",1000000,"Annual Interest Rate",8.5000000000000006E-2]
[null,"Years payment is put off",1,"Period Interest Rate"]
[null,"FV after 1 year",null,"Years for Loan",6]
[null,"Period Payment ",null,"Total Periods"]
[null,"Period Payment ",{"$f":"PMT(E25,(E26-C25)*E28,FV(E25,C25*E28,,-C24))","v":-50000},"Periods per Year",4]
[]
[5,"Adjusted APR when there are Points and Fees",null,null,null,null,"Borrower point of view"]
[null,"Loan Amount",200000,"Years for Loan",30]
[null,"Annual Interest Rate",0.05,"Periods per Year",12]
[null,"Period Interest Rate",null,"Points",0.01,null,1]
[null,"Total Periods",null,"Fees",750]
[null,"PMT"]
[null,"Actual Cash Received"]
[null,"Period Rate",null,null,"Ctrl + Shift + ~ `"]
[null,"Adjusted APR"]

{"sheet":"PMT(an)","index":3,"n_rows":38,"n_cols":9,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
[1,"PMT function from Borrower point of view"]
[null,"Price of Car",34799,"Annual Interest Rate",6.5000000000000002E-2]
[null,"Down Payment",10000,"Monthly Interest Rate",{"$f":"E2/E6","v":5.4166666666666669E-3}]
[null,"Loan Amount",{"$f":"C2-C3","v":24799},"Years for Loan",5]
[null,"PMT end of period",{"$f":"PMT(E3,E5,C4)","v":-485.22090967624911},"Total Months",{"$f":"E4*E6","v":60}]
[null,"Monthly Payment ",{"$f":"-C4/((1-(1+E2/E6)^(-E4*E6))/(E2/E6))","v":-485.22090967625377},"Periods per Year",12]
[null,"PMT begin of period",{"$f":"PMT(E3,E5,C4,,1)","v":-482.60678956609939},"Type, 0 = End, 1 = Beg",1]
[]
[2,"PMT function from Lender point of view"]
[null,"Price of Car",{"$f":"C2","v":34799},"Annual Interest Rate",{"$f":"E2","v":6.5000000000000002E-2}]
[null,"Down Payment",{"$f":"C3","v":10000},"Monthly Interest Rate",{"$f":"E10/E14","v":5.4166666666666669E-3}]
[null,"Loan Amount",{"$f":"C10-C11","v":24799},"Years for Loan",{"$f":"E4","v":5}]
[null,"Monthly Payment ",{"$f":"PMT(E11,E13,-C12)","v":485.22090967624911},"Total Months",{"$f":"E12*E14","v":60}]
[null,"Monthly Payment ",{"$f":"(C12/((1-(1+E10/E14)^(-E12*E14))/(E10/E14)))","v":485.22090967625377},"Periods per Year",{"$f":"E6","v":12}]
[]
[3,"PMT function with Balloon payment at end"]
[null,"Price of Car",50000,"Annual Interest Rate",5.2499999999999998E-2]
[null,"Down Payment",5000,"Monthly Interest Rate",{"$f":"E17/E21","v":4.3749999999999995E-3}]
[null,"Loan Amount",{"$f":"C17-C18","v":45000},"Years for Loan",3]
[null,"Balloon Payment",-5000,"Total Months",{"$f":"E19*E21","v":36}]
[null,"Monthly Payment ",{"$f":"PMT(E18,E20,C19,C20)","v":-1225.2058205856481},"Periods per Year",12]
[]
[4,"PMT function when payments don't start for 1 year"]
[null,"Loan Amount",1000000,"Annual Interest Rate",8.5000000000000006E-2]
[null,"Years payment is put off",1,"Period Interest Rate",{"$f":"E24/E28","v":2.1250000000000002E-2}]
[null,"FV after 1 year",{"$f":"FV(E25,C25*E28,,C24)","v":-1087747.9617211912},"Years for Loan",6,null,{"$f":"C24*(1+E25)^(C25*E28)","v":1087747.9617211912}]
[null,"Period Payment ",{"$f":"PMT(E25,(E26-C25)*E28,-C26)","v":-67328.250185892379},"Total Periods",{"$f":"E26*E28","v":24}]
[null,"Period Payment ",{"$f":"PMT(E25,(E26-C25)*E28,FV(E25,C25*E28,,-C24))","v":-67328.250185892379},"Periods per Year",4,null,null,"check",{"$f":"C24*(1+E25)^E28","v":1087747.9617211912}]
[]
[5,"Adjusted APR when there are Points and Fees"]
[null,"Loan Amount",200000,"Years for Loan",30]
[null,"Annual Interest Rate",0.05,"Periods per Year",12]
[null,"Period Interest Rate",{"$f":"C32/E32","v":4.1666666666666666E-3},"Points",0.01,null,1]
[null,"Total Periods",{"$f":"E31*E32","v":360},"Fees",750]
[null,"PMT",{"$f":"PMT(C33,C34,C31)","v":-1073.6432460242781}]
[null,"Actual Cash Received",{"$f":"C31*(1-E33)-E34","v":197250}]
[null,"Period Rate",{"$f":"RATE(C34,C35,C36)","v":4.2683797768953086E-3},null,"Ctrl + Shift + ~ `"]
[null,"Adjusted APR",{"$f":"C37*E32","v":5.1220557322743707E-2}]

{"sheet":"Amort","index":4,"n_rows":9,"n_cols":5,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["Loan Amount",200000,null,"Total Interest","Total Interest"]
["Annual Interest Rate",0.05]
["Years for Loan",30]
["Periods per Year",12]
["Period Interest Rate"]
["Total Periods"]
["PMT"]
[]
["Periods","PMT","Period Interest","Loan Reduction","Balance"]

{"sheet":"Amort (an)","index":5,"n_rows":370,"n_cols":5,"rows_kept":370,"cut":false,"hidden":false,"merged":[]}
["Loan Amount",200000,null,"Total Interest","Total Interest"]
["Annual Interest Rate",0.05,null,{"$f":"SUM(C11:C370)","v":186511.56856873987},{"$f":"CUMIPMT(B5,B6,B1,1,B6,0)","v":-186511.56856874016}]
["Years for Loan",30]
["Periods per Year",12]
["Period Interest Rate",{"$f":"B2/B4","v":4.1666666666666666E-3}]
["Total Periods",{"$f":"B3*B4","v":360}]
["PMT",{"$f":"PMT(B5,B6,B1)","v":-1073.6432460242781}]
[]
["Periods","PMT","Period Interest","Loan Reduction","Balance"]
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[297,1073.6432460242781,250.85374535259427,822.78950067168387,59382.109383950941]
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[299,1073.6432460242781,243.982881640388,829.66036438389017,57726.231229309233]
[300,1073.6432460242781,240.52596345545513,833.11728256882304,56893.113946740406]
[301,1073.6432460242781,237.0546414447517,836.58860457952642,56056.52534216088]
[302,1073.6432460242781,233.568855592337,840.07439043194108,55216.450951728941]
[303,1073.6432460242781,230.06854563220392,843.57470039207419,54372.876251336864]
[304,1073.6432460242781,226.55365104723694,847.0895949770412,53525.786656359822]
[305,1073.6432460242781,223.02411106816592,850.61913495611225,52675.16752140371]
[306,1073.6432460242781,219.47986467251545,854.16338135176272,51821.004140051948]
[307,1073.6432460242781,215.92085058354976,857.72239544072841,50963.281744611217]
[308,1073.6432460242781,212.34700726921341,861.29623875506468,50101.985505856152]
[309,1073.6432460242781,208.7582729410673,864.88497308321087,49237.100532772944]
[310,1073.6432460242781,205.15458555322058,868.48866047105753,48368.611872301888]
[311,1073.6432460242781,201.53588280125786,872.10736322302023,47496.50450907887]
[312,1073.6432460242781,197.90210212116196,875.74114390311615,46620.763365175757]
[313,1073.6432460242781,194.25318068823231,879.39006533604584,45741.37329983971]
[314,1073.6432460242781,190.58905541599879,883.05419060827933,44858.31910923143]
[315,1073.6432460242781,186.90966295513095,886.73358306914724,43971.585526162286]
[316,1073.6432460242781,183.21493969234285,890.42830633193535,43081.157219830347]
[317,1073.6432460242781,179.50482174929311,894.13842427498503,42187.018795555363]
[318,1073.6432460242781,175.77924498148067,897.86400104279744,41289.154794512564]
[319,1073.6432460242781,172.03814497713569,901.6051010471424,40387.549693465422]
[320,1073.6432460242781,168.28145705610592,905.36178896817228,39482.187904497252]
[321,1073.6432460242781,164.50911626873855,909.13412975553956,38573.053774741711]
[322,{"$f":"-B$7","v":1073.6432460242781},160.72105739475714,{"$f":"B332-C332","v":912.92218862952097},{"$f":"E331-D332","v":37660.131586112191}]
[323,1073.6432460242781,156.91721494213414,916.726031082144,36743.405555030047]
[324,1073.6432460242781,153.09752314595852,920.54572287831957,35822.859832151727]
[325,1073.6432460242781,{"$f":"E334*B$5","v":149.26191596729888},924.38133005697932,34898.478502094746]
[326,1073.6432460242781,145.41032709206144,928.23291893221676,33970.245583162527]
[327,1073.6432460242781,141.54268992984385,932.1005560944343,33038.145027068094]
[328,1073.6432460242781,137.65893761278372,935.98430841149445,32102.1607186566]
[329,1073.6432460242781,133.75900299440249,939.88424302987562,31162.276475626724]
[330,1073.6432460242781,129.84281864844468,943.80042737583346,30218.47604825089]
[331,1073.6432460242781,125.91031686771204,947.73292915656612,29270.743119094324]
[332,1073.6432460242781,121.96142966289301,951.68181636138513,28319.061302732938]
[333,1073.6432460242781,117.99608876138724,955.64715726289091,27363.414145470048]
[334,1073.6432460242781,114.01422560612519,959.629020418153,26403.785125051894]
[335,1073.6432460242781,110.01577135438289,963.62747466989526,25440.157650382]
[336,1073.6432460242781,106.00065687659166,967.64258914768652,24472.515061234313]
[337,1073.6432460242781,101.96881275514298,971.67443326913519,23500.840627965179]
[338,1073.6432460242781,97.920169283188244,975.72307674108993,22525.117551224088]
[339,1073.6432460242781,93.854656463433699,979.78858956084446,21545.328961663243]
[340,1073.6432460242781,89.772204006930181,983.87104201734792,20561.457919645894]
[341,1073.6432460242781,85.672741331857893,987.97050469242026,19573.487414953473]
[342,1073.6432460242781,81.556197562306139,992.08704846197202,18581.4003664915]
[343,1073.6432460242781,77.422501527047913,996.22074449723027,17585.17962199427]
[344,1073.6432460242781,73.271581758309452,1000.3716642659687,16584.807957728302]
[345,1073.6432460242781,69.103366490534597,1004.5398795337435,15580.268078194558]
[346,1073.6432460242781,64.917783659143993,1008.7254623651341,14571.542615829425]
[347,1073.6432460242781,60.714760899289267,1012.9284851249889,13558.614130704436]
[348,1073.6432460242781,56.494225544601818,1017.1490204796763,12541.465110224761]
[349,1073.6432460242781,52.256104625936501,1021.3871413983417,11520.077968826419]
[350,1073.6432460242781,48.000324870110077,1025.6429211541681,10494.43504767225]
[351,1073.6432460242781,43.726812698634376,1029.9164333256438,9464.5186143466071]
[352,1073.6432460242781,39.435494226444199,1034.2077517978339,8430.310862548773]
[353,1073.6432460242781,35.126295260619884,1038.5169507636583,7391.7939117851147]
[354,1073.6432460242781,30.799141299104644,1042.8441047251736,6348.9498070599411]
[355,1073.6432460242781,26.453957529416421,1047.1892884948618,5301.7605185650791]
[356,1073.6432460242781,22.090668827354495,1051.5525771969237,4250.2079413681549]
[357,1073.6432460242781,17.709199755700645,1055.9340462685775,3194.2738950995772]
[358,1073.6432460242781,13.309474562914906,1060.3337714613633,2133.9401236382137]
[359,1073.6432460242781,8.89141718182589,1064.7518288424521,1069.1882947957615]
[360,1073.6432460242781,4.4549512283156734,1069.1882947959625,-2.0099832909181714E-10]

{"sheet":"HowLong","index":6,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["How long to pay off your credit Card if you pay only the minimum PMT required?"]
["Balance =",7500]
["APR =",0.18]
["Periods per year",12]
["Minimum Monthly PMT =",-125]
["nper = NPER function ="]
["Years = nper/12"]

{"sheet":"HowLong(an)","index":7,"n_rows":7,"n_cols":2,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
["How long to pay off your credit Card if you pay only the minimum PMT required?"]
["Balance =",7500]
["APR =",0.18]
["Periods per year",12]
["Minimum Monthly PMT =",-125]
["nper = NPER function =",{"$f":"NPER(B3/B4,B5,B2)","v":154.65410856522377}]
["Years = nper/12",{"$f":"B6/B4","v":12.887842380435314}]

{"sheet":"FV Annuity End","index":8,"n_rows":22,"n_cols":7,"rows_kept":22,"cut":false,"hidden":false,"merged":[[0,0,0,4],[12,0,12,4]]}
["Savings plan:\nIf I put $50 (PMT) in the bank at the end of each month for 50 years, how much will I have when I retire? What is the future value? How much can you withdraw each month if you live 35 more years?"]
["Periodic Payment",50,"pmt","Year",35,null,"Total put in"]
["Years",50,null,"Annual rate",0.05]
["# Compounding Periods per Year",12,null,"Periods /year",12]
["Annual Interest Rate",0.1,null,"Pv"]
["Period Rate",null,"rate","PMT"]
["Total Periods",null,"nper","Total Withdrawn"]
["Future Value",null,"fv"," =FV(rate , nper , -pmt)"]
[]
["Check:",{"$f":"B2*((1+B5/B4)^(B3*B4)-1)/(B5/B4)","v":866219.53979835811},{"$f":"ShowFormula","v":" =B2*((1+B5/B4)^(B3*B4)-1)/(B5/B4)"}]
[]
[]
["If I want to be a millionaire, how much do I have to put in the bank at the end of each month. What is the PMT?"]
["Future Value",1000000,"fv"]
["Years",35]
["# Compounding Periods per Year",12]
["Annual Interest Rate",0.1]
["Period Rate",null,"rate"]
["Total Periods",null,"nper"]
["Periodic Payment",null,"pmt"," =PMT(rate , nper , , FV)"]
[]
["Check:",{"$f":"B14/(((1+B17/B16)^(B15*B16)-1)/(B17/B16))","v":263.39092279972124},{"$f":"ShowFormula","v":" =B14/(((1+B17/B16)^(B15*B16)-1)/(B17/B16))"}]

{"sheet":"FV Annuity End (an)","index":9,"n_rows":22,"n_cols":8,"rows_kept":22,"cut":false,"hidden":false,"merged":[[0,0,0,4],[12,0,12,4]]}
["Savings plan:\nIf I put $50 (PMT) in the bank at the end of each month for 50 years, how much will I have when I retire? What is the future value? How much can you withdraw each month if you live 35 more years?"]
["Periodic Payment",50,"pmt","Year",35,null,"Total put in",{"$f":"B2*B3*B4","v":30000}]
["Years",50,null,"Annual rate",0.05]
["# Compounding Periods per Year",12,null,"Periods /year",12]
["Annual Interest Rate",0.1,null,"Pv",{"$f":"-B8","v":-866219.53979835799}]
["Period Rate",{"$f":"B5/B4","v":8.3333333333333332E-3},"rate","PMT",{"$f":"PMT(E3/E4,E2*E4,E5,,1)","v":4353.5634019369481}]
["Total Periods",{"$f":"B4*B3","v":600},"nper","Total Withdrawn",{"$f":"E6*E2*E4","v":1828496.6288135182}]
["Future Value",{"$f":"FV(B6,B7,-B2)","v":866219.53979835799},"fv"," =FV(rate , nper , -pmt)"]
[]
["Check:",{"$f":"B2*((1+B5/B4)^(B3*B4)-1)/(B5/B4)","v":866219.53979835811},{"$f":"ShowFormula","v":" =B2*((1+B5/B4)^(B3*B4)-1)/(B5/B4)"}]
[]
[]
["If I want to be a millionaire, how much do I have to put in the bank at the end of each month. What is the PMT?"]
["Future Value",1000000,"fv"]
["Years",35]
["# Compounding Periods per Year",12]
["Annual Interest Rate",0.1]
["Period Rate",{"$f":"B17/B16","v":8.3333333333333332E-3},"rate"]
["Total Periods",{"$f":"B16*B15","v":420},"nper"]
["Periodic Payment",{"$f":"PMT(B18,B19,,B14)","v":-263.39092279971715},"pmt"," =PMT(rate , nper , , FV)"]
[]
["Check:",{"$f":"B14/(((1+B17/B16)^(B15*B16)-1)/(B17/B16))","v":263.39092279972124},{"$f":"ShowFormula","v":" =B14/(((1+B17/B16)^(B15*B16)-1)/(B17/B16))"}]

{"sheet":"HW ==>>","index":10,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"(1)","index":11,"n_rows":38,"n_cols":2,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
["Calculate the PMT for the three examples below."]
[]
["PMT function from Borrower point of view"]
["Price of Car",25000]
["Down Payment",2500]
["Loan Amount"]
["Annual Interest Rate",3.7499999999999999E-2]
["Periods per Year",12]
["Monthly Interest Rate"]
["Years for Loan",6]
["Total Months"]
["Type","End"]
["PMT end of period"]
[]
["PMT function from Lender point of view"]
["Price of Car",25000]
["Down Payment",2500]
["Loan Amount"]
["Annual Interest Rate",3.7499999999999999E-2]
["Periods per Year",12]
["Monthly Interest Rate"]
["Years for Loan",6]
["Total Months"]
["Type","End"]
["PMT end of period"]
[]
[]
["PMT function with Balloon payment at end"]
["Price of Car",50000]
["Down Payment",5000]
["Loan Amount"]
["Balloon Payment",-5000]
["Monthly Payment "]
["Annual Interest Rate",5.2499999999999998E-2]
["Monthly Interest Rate"]
["Years for Loan",3]
["Total Months"]
["Periods per Year",12]

{"sheet":"(1an)","index":12,"n_rows":38,"n_cols":2,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
["Calculate the PMT for the three examples below."]
[]
["PMT function from Borrower point of view"]
["Price of Car",25000]
["Down Payment",2500]
["Loan Amount",{"$f":"B4-B5","v":22500}]
["Annual Interest Rate",3.7499999999999999E-2]
["Periods per Year",12]
["Monthly Interest Rate",{"$f":"B7/B8","v":3.1249999999999997E-3}]
["Years for Loan",6]
["Total Months",{"$f":"B10*B8","v":72}]
["Type","End"]
["PMT end of period",{"$f":"PMT(B9,B11,B6)","v":-349.4594752116522}]
[]
["PMT function from Lender point of view"]
["Price of Car",25000]
["Down Payment",2500]
["Loan Amount",{"$f":"B16-B17","v":22500}]
["Annual Interest Rate",3.7499999999999999E-2]
["Periods per Year",12]
["Monthly Interest Rate",{"$f":"B19/B20","v":3.1249999999999997E-3}]
["Years for Loan",6]
["Total Months",{"$f":"B22*B20","v":72}]
["Type","End"]
["PMT end of period",{"$f":"PMT(B21,B23,-B18)","v":349.4594752116522}]
[]
[]
["PMT function with Balloon payment at end"]
["Price of Car",37500]
["Down Payment",1500]
["Balloon Payment",-5000]
["Loan Amount",{"$f":"B29-B30","v":36000}]
["Annual Interest Rate",0.06]
["Periods per Year",12]
["Monthly Interest Rate",{"$f":"B33/B34","v":5.0000000000000001E-3}]
["Years for Loan",5]
["Total Months",{"$f":"B36*B34","v":60}]
["Monthly Payment ",{"$f":"PMT(B35,B37,B32,B31)","v":-624.31684741226536}]

{"sheet":"(2)","index":13,"n_rows":13,"n_cols":5,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
["Create an amortization table for the loan data below. Then calculate the total interest paid over the life of the loan."]
[]
["Loan Amount",375500]
["Annual Interest Rate",4.1500000000000002E-2]
["Years for Loan",30]
["Periods per Year",12]
["Period Interest Rate",{"$f":"B4/B6","v":3.4583333333333337E-3}]
["Total Periods",{"$f":"B5*B6","v":360}]
["PMT",{"$f":"PMT(B7,B8,B3)","v":-1825.3179770620495}]
["Total Interest"]
["Total Interest"]
[]
["Periods","PMT","Period Interest","Loan Reduction","Balance"]

{"sheet":"(2an)","index":14,"n_rows":374,"n_cols":5,"rows_kept":374,"cut":false,"hidden":false,"merged":[]}
["Create an amortization table for the loan data below. Then calculate the total interest paid over the life of the loan."]
[]
["Loan Amount",375500]
["Annual Interest Rate",4.1500000000000002E-2]
["Years for Loan",30]
["Periods per Year",12]
["Period Interest Rate",{"$f":"B4/B6","v":3.4583333333333337E-3}]
["Total Periods",{"$f":"B5*B6","v":360}]
["PMT",{"$f":"PMT(B7,B8,B3)","v":-1825.3179770620495}]
["Total Interest",{"$f":"SUM(C15:C374)","v":281614.47174233804}]
["Total Interest",{"$f":"CUMIPMT(B7,B8,B3,1,B8,0)","v":-281614.4717423378}]
[]
["Periods","PMT","Period Interest","Loan Reduction","Balance"]
[0,null,null,null,{"$f":"B3","v":375500}]
[1,{"$f":"-B$9","v":1825.3179770620495},{"$f":"E14*B$7","v":1298.6041666666667},{"$f":"B15-C15","v":526.71381039538278},{"$f":"E14-D15","v":374973.28618960461}]
[2,{"$f":"-B$9","v":1825.3179770620495},{"$f":"E15*B$7","v":1296.7826147390494},{"$f":"B16-C16","v":528.53536232300007},{"$f":"E15-D16","v":374444.75082728162}]
[3,1825.3179770620495,1294.9547632776823,530.36321378436719,373914.38761349727]
[4,1825.3179770620495,{"$f":"E17*B$7","v":1293.1205904966782},532.19738656537129,373382.19022693188]
[5,1825.3179770620495,{"$f":"E18*B$7","v":1291.2800745348063},534.0379025272432,372848.15232440463]
[6,1825.3179770620495,1289.4331934552329,535.88478360681665,372312.26754079782]
[7,1825.3179770620495,1287.5799252452593,537.73805181679018,371774.52948898106]
[8,1825.3179770620495,1285.7202478160596,539.59772924598997,371234.93175973505]
[9,1825.3179770620495,1283.8541390024172,541.46383805963228,370693.46792167542]
[10,1825.3179770620495,1281.981576562461,543.33640049958854,370150.13152117585]
[11,1825.3179770620495,1280.1025381774,545.21543888464953,369604.91608229122]
[12,1825.3179770620495,1278.2170014512574,547.10097561079215,369057.81510668044]
[13,1825.3179770620495,1276.3249439106032,548.9930331514463,368508.82207352901]
[14,1825.3179770620495,1274.4263430042879,550.89163405776162,367957.93043947127]
[15,1825.3179770620495,1272.5211761031717,552.79680095887784,367405.1336385124]
[16,1825.3179770620495,1270.6094204998556,554.70855656219396,366850.4250819502]
[17,1825.3179770620495,1268.6910534084113,556.62692365363819,366293.79815829656]
[18,1825.3179770620495,1266.766051964109,558.55192509794051,365735.24623319862]
[19,1825.3179770620495,1264.8343932231453,560.48358383890422,365174.76264935971]
[20,1825.3179770620495,1262.8960541623692,562.42192289968034,364612.34072646004]
[21,1825.3179770620495,1260.9510116790077,564.36696538304182,364047.97376107698]
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{"sheet":"(3)","index":15,"n_rows":2,"n_cols":1,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
["If your credit card balance is $5000 and the minimum monthly payment (at end of each month) is $100,"]
["if the Annual Credit Card Rate is 16%, how many years does it take to pay off?"]

{"sheet":"(3an)","index":16,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
["If your credit card balance is $5000 and the minimum monthly payment (at end of each month) is $100,"]
["if the Annual Credit Card Rate is 16%, how many years does it take to pay off?"]
[]
["PV",5000]
["PMT",-100]
["Annual Rate",0.16]
["Periods/Year",12]
["Period Rate",{"$f":"B6/B7","v":1.3333333333333334E-2}]
["Months to pay off",{"$f":"NPER(B8,B5,B4)","v":82.94401518391453}]
["Years",{"$f":"B9/B7","v":6.9120012653262108}]

{"sheet":"(4)","index":17,"n_rows":2,"n_cols":1,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
["For a 35 year savings plan (at end of each month) that pays a 6% Annual Rate,"]
["how much do you need to deposit each month to have $400,000 in 35 years? "]

{"sheet":"(4an)","index":18,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
["For a 35 year savings plan (at end of each month) that pays a 6% Annual Rate,"]
["how much do you need to deposit each month to have $400,000 in 35 years? "]
[]
["Years",35]
["periods/year",12]
["Total periods",{"$f":"B5*B4","v":420}]
["Annual Rate",0.06]
["Period Rate",{"$f":"B7/B5","v":5.0000000000000001E-3}]
["FV",400000]
["PMT",{"$f":"PMT(B8,B6,,B9)","v":-280.7588324083053}]

{"sheet":"(5)","index":19,"n_rows":1,"n_cols":1,"rows_kept":1,"cut":false,"hidden":false,"merged":[]}
["Play around and calculate your own savings plan (retirement savings)."]