CUMIPMT Google Sheet Formula

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CUMIPMT Formula Syntax

=CUMIPMT(0.05/12, 360, 200000, 1, 12, 0)

Example Use Case

Calculating cumulative interest paid on a loan between two periods

Understanding the CUMIPMT Formula

The CUMIPMT function in Excel calculates the cumulative interest paid on a loan between two specified periods. It's a loan analysis tool for financial planning—like determining the total interest cost for specific years of a mortgage or loan.

CUMIPMT(0.05/12, 360, 200000, 1, 12, 0) calculates the total interest paid in the first year of a 30-year mortgage at 5% annual interest on $200,000. It takes rate, nper, pv, start_period, end_period, type arguments, summing the interest payments across the specified period range—perfect for loan cost analysis.

Why Use CUMIPMT?

CUMIPMT totals interest costs—think mortgage comparisons or budget planning. Its ability to calculate aggregate interest for specific time segments makes it valuable for financial planning, loan comparisons, or understanding the true cost of financing over different periods.

Example with Sample Data

Parameters	Formula	Result
Rate: 5%/12 (monthly) Term: 360 months Principal: $200,000 Period: 1-12 (first year) Type: 0 (end of period)	=CUMIPMT(0.05/12, 360, 200000, 1, 12, 0)	-$9,908.86
Same loan Period: 13-24 (second year)	=CUMIPMT(0.05/12, 360, 200000, 13, 24, 0)	-$9,668.27
Rate: 4%/12 (monthly) Term: 60 months Principal: $25,000 Period: 1-60 (entire loan) Type: 0 (end of period)	=CUMIPMT(0.04/12, 60, 25000, 1, 60, 0)	-$2,645.48

CUMIPMT adds up interest: -$9,908.86 interest in the first year of a mortgage. Negative indicates payment outflow. It's a cumulative interest calculator.