CUMPRINC Google Sheet Formula

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CUMPRINC Formula Syntax

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

Example Use Case

Calculating cumulative principal paid on a loan between two periods

Understanding the CUMPRINC Formula

The CUMPRINC function in Excel calculates the cumulative principal paid on a loan between two specified periods. It's a loan analysis tool for financial planning—like determining the equity built through principal payments over specific years of a mortgage.

CUMPRINC(0.05/12, 360, 200000, 1, 12, 0) calculates the total principal 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 principal payments across the specified period range—perfect for equity analysis.

Why Use CUMPRINC?

CUMPRINC tracks equity building—think mortgage analysis or loan comparisons. Its ability to calculate aggregate principal for specific time segments makes it valuable for financial planning, equity projections, or understanding how much of a loan is actually paid off in different time frames.

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)	=CUMPRINC(0.05/12, 360, 200000, 1, 12, 0)	-$2,715.44
Same loan Period: 13-24 (second year)	=CUMPRINC(0.05/12, 360, 200000, 13, 24, 0)	-$2,956.03
Rate: 4%/12 (monthly) Term: 60 months Principal: $25,000 Period: 1-60 (entire loan) Type: 0 (end of period)	=CUMPRINC(0.04/12, 60, 25000, 1, 60, 0)	-$25,000.00

CUMPRINC sums principal payments: -$2,715.44 principal paid in the first year of a mortgage, increasing in later years. Negative indicates payment outflow. It's a cumulative principal calculator.