Excel isn’t just for data — it’s also great for finance and budgeting! These Excel financial formulas help you calculate loans, investments, and returns easily, without needing a calculator.
- PMT – Calculate Loan Payments
Finds out how much you need to pay each month on a loan.
Formula: =PMT(rate, nper, pv)
👉 Example: =PMT(5%/12, 60, 10000) → Monthly payment for a $10,000 loan at 5% interest for 5 years.
💡 rate = interest rate, nper = number of payments, pv = loan amount
- FV – Find Future Value of an Investment
Tells you how much your investment will be worth in the future.
Formula: =FV(rate, nper, pmt, pv)
👉 Example: =FV(0.05, 10, -100, 0) → The value after saving $100 per year for 10 years at 5% interest.
- NPV – Calculate Net Present Value
Finds the current value of future cash flows using a discount rate.
Formula: =NPV(rate, values)
👉 Example: =NPV(0.1, A1:A5) → The value of cash flows in A1 to A5 at a 10% rate.
- IRR – Find Internal Rate of Return
Calculates how profitable an investment is — shows the percentage return.
Formula: =IRR(A1:A10)
👉 Example: If A1:A10 contains cash flows, IRR tells you the project’s return rate.
💡 Quick Tip:
These formulas are most useful for:
✅ Loan calculations
✅ Investment planning
✅ Business project evaluations
You can mix them with Excel’s chart tools to make powerful financial dashboards! stay tuned to ITinsite.in — your trusted source to get more excel formula’s in easy way
