All versions
Financial
The Excel CUMPRINC function returns the cumulative principal paid between two periods of a loan.
Quick answer:
=CUMPRINC(6%/12, 5*12, 25000, 1, 12, 0) // year-1 principal
Syntax
=CUMPRINC(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. |
end_period | Required | Last period. |
type | Required | 0 end or 1 start (required). |
How to use it
CUMPRINC returns the cumulative principal paid between two periods of a loan.
=CUMPRINC(6%/12, 5*12, 25000, 1, 12, 0) // principal repaid in year 1
Try it: interactive demo
Live demo
This is the formula pattern CUMPRINC uses — copy it into Excel with your own numbers.
Result: computed in Excel
Practice workbook
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Frequently asked questions
CUMPRINC vs CUMIPMT?
CUMPRINC totals principal repaid over a span; CUMIPMT totals interest. Together they equal the total payments.
How do I find remaining balance?
Subtract cumulative principal from the original loan: pv + CUMPRINC(...) (it’s negative).
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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