11 Market Analysis

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Last updated 6:53 PM on 5/14/26
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19 Terms

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PMT function
A financial function that calculates the periodic payment for a loan based on constant payments and a constant interest rate.
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RATE function
A financial function used to calculate the interest rate per period of an annuity or loan.
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NPER function
A financial function that returns the number of periods for an investment based on periodic, constant payments and a constant interest rate.
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CUMIPMT function
A financial function that calculates the cumulative interest paid on a loan between a starting period and an ending period.
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CUMPRINC function
A financial function that calculates the cumulative principal paid on a loan between a starting period and an ending period.
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Amortization schedule
A table that calculates the interest and principal payments along with the remaining balance of the loan for each period.
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PPMT function
A financial function that calculates how much of a specific periodic payment is going toward the principal amount of a loan.
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IPMT function
A financial function that calculates the interest payment for a specific period of an investment based on periodic, constant payments and a constant interest rate.
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Principal
The original amount of money borrowed or the amount still owed on a loan, separate from interest.
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Interest
The cost of borrowing money, usually expressed as an annual percentage rate (APR).
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Periodic rate
The interest rate charged per period, such as monthly or quarterly (calculated as Annual Rate divided by number of periods per year).
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Fv
An argument used for the future value or the cash balance you want to attain after the last payment is made (usually 0 for loans).
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Pv
The present value, or the total amount that a series of future payments is worth now
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for a loan, this is the amount borrowed.
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Type
An argument (0 or 1) that indicates when payments are due: 0 at the end of the period, 1 at the beginning.
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Loan analysis
The process of evaluating a loan's terms, including the monthly payment, total interest paid, and total cost of the loan.
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Cash flow
The movement of cash into and out of a business or personal account, often categorized as positive (inflow) or negative (outflow).
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Beginning balance
The amount owed on a loan at the start of a specific period in an amortization schedule.
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Ending balance
The remaining principal on a loan after the principal portion of the current payment has been subtracted from the beginning balance