如何用EXCEL表格计算应付利息

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共同创作者是 Alex Kwan

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在本文中：

步骤

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本文将教你如何在EXCEL表格中创建一个利息支付计算器。Windows版本和MAC版本的EXCEL都可以。

步骤

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   1
   打开EXCEL软件。双击EXCEL应用程序图标，该图标在深绿色背景上有个白色类似“X”的字母。
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   2
   单击空白工作簿。这个选项位于EXCEL表格主页的左上角，能为利息支付计算器创建一个新的工作表。

   • Mac系统中跳过这一步。
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   3
   设置行。在以下各单元格中输入支付内容的标题：

   • A1单元格 - 输入本金
   • A2单元格 - 输入利率
   • A3单元格 - 输入期数
   • A4单元格 - 输入应付
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   4
   输入各项的值。B1单元格中输入欠款总额。

   • 假设你用10000元首付购买了一艘价值20000元的船，在B1输入10,000。
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   5
   输入现行利率。B2单元格中输入需支付的利率。

   • 例如现行利率是3%，B2中输入 0.03。
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   6
   B3单元格输入剩余付款期数。假设你计划12个月还清，则在B3单元格输入12。
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   7
   选中B4单元格。单击可选中，输入应付利息的计算公式。
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   8
   输入应付利息计算公式。B4单元格输入=IPMT(B2, 1, B3, B1)并按回车键。这样就能计算每期应付的利息。

   • 这种方法并没有算复利，而复利一般随着支付总额减少而降低。用本金减去某期的支付额，然后重新计算B4单元格可得出。
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小提示

• 将A1至B4单元格复制粘贴到表格的其他地方，可以比较不同利率和期限引起的变化，同时也不会丢失原始的公式和结果。

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警告

• 利率可能会变动。计算利息之前，一定要仔细阅读利息协议上的细节。

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