怎么用EXCEL表格计算应付利息

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

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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- Mac系统中跳过这一步。
{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/9\/96\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-3-Version-5.jpg\/v4-460px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-3-Version-5.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/9\/96\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-3-Version-5.jpg\/v4-728px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-3-Version-5.jpg","smallWidth":460,"smallHeight":346,"bigWidth":728,"bigHeight":547,"licensing":"<div class=\"mw-parser-output\"><\/div>"} 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
{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/a\/ae\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-4-Version-5.jpg\/v4-460px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-4-Version-5.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/a\/ae\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-4-Version-5.jpg\/v4-728px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-4-Version-5.jpg","smallWidth":460,"smallHeight":347,"bigWidth":728,"bigHeight":549,"licensing":"<div class=\"mw-parser-output\"><\/div>"} 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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- 例如现行利率是3%，B2中输入 0.03。
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。
7 选中B4单元格。单击可选中，输入应付利息的计算公式。
{"smallUrl":"https:\/\/www.zenmeban.com\/images_en\/thumb\/e\/ef\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-8.jpg\/v4-460px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-8.jpg","bigUrl":"https:\/\/www.zenmeban.com\/images\/thumb\/e\/ef\/Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-8.jpg\/v4-728px-Calculate-an-Interest-Payment-Using-Microsoft-Excel-Step-8.jpg","smallWidth":460,"smallHeight":346,"bigWidth":728,"bigHeight":548,"licensing":"<div class=\"mw-parser-output\"><\/div>"} 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。