All versions
Financial
The Excel CUMIPMT function returns the cumulative interest paid between two periods of a loan.
Quick answer:
=CUMIPMT(6%/12, 5*12, 25000, 1, 12, 0) // year-1 interest total
Syntax
=CUMIPMT(rate, nper, pv, start_period, end_period, type)
| Argument | Description | |
|---|---|---|
rate | Required | Rate per period. |
nper | Required | Total periods. |
pv | Required | Present value. |
start_period | Required | First period in the range. |
end_period | Required | Last period in the range. |
type | Required | 0 end or 1 start (required here). |
How to use it
CUMIPMT returns the cumulative interest paid between two periods of a loan.
=CUMIPMT(6%/12, 5*12, 25000, 1, 12, 0) // total interest in year 1
Try it: interactive demo
Live demo
This is the formula pattern CUMIPMT uses — copy it into Excel with your own numbers.
Result: computed in Excel
Practice workbook
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Frequently asked questions
What is CUMIPMT used for?
Totaling interest over a span — e.g. interest paid in a tax year or over the first 5 years of a mortgage.
Is the type argument optional?
No — CUMIPMT and CUMPRINC require the type argument explicitly.
Which Excel versions support it?
All modern versions.
Why might it return #NUM! or #VALUE!?
Out-of-range arguments (e.g. negative rate or settlement after maturity) give #NUM!; non-numeric inputs give #VALUE!.
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