របៀបគណនាប្រាក់បង់រំលោះក្នុង Excel - How to Calculate Simple Loan Monthly Payment in Excel (Video in Khmer)

Hello everyone! In today's video tutorial, you will learn how to calculate monthly loan payments and installment schedules in Microsoft Excel using both simple arithmetic math.

Whether you are managing personal loans, car installments, home loans, or business equipment financing, these simple formulas will help you calculate monthly payments accurately.

📚 Related Tutorial: Want to master Excel keyboard shortcuts? Check out Learn All Excel Keyboard Shortcuts!

🛠️ Simple Math Calculation (Flat Rate Installment)

For simple installment plans or flat-rate monthly loans, you can calculate the monthly payment using basic arithmetic addition, division, and multiplication.

Step-by-Step Simple Math Formulas:

1. Monthly Principal Payment: Divide the total loan amount by the total number of months:

   = Loan_Amount / Total_Months
   

2. Monthly Interest Amount: Multiply the loan amount by the monthly interest rate:

   = Loan_Amount * Monthly_Interest_Rate
   

3. Total Monthly Payment Formula: Add monthly principal and monthly interest together:

   = (Loan_Amount / Total_Months) + (Loan_Amount * Monthly_Interest_Rate)
   

• Example Scenario:
  • Loan Amount: $1,000 (Cell B1)
  • Duration: 10 months (Cell B2)
  • Monthly Interest Rate: 1.5% or 0.015 (Cell B3)
  • Monthly Principal: = B1 / B2 ($1,000 / 10 = $100)
  • Monthly Interest: = B1 * B3 ($1,000 * 1.5% = $15)
  • Total Monthly Payment: = (B1 / B2) + (B1 * B3) -> $115 per month

🛠️ Advance Tool: Loan Payment Calculator + Download Excel Sheet for Free ↗

💡 Pro Tips for Loan Calculation

1. Use Cells Instead of Hardcoded Numbers: Store loan parameters (Loan Amount, Interest Rate, Duration) in separate input cells so you can change loan figures anytime without editing formulas.
2. Format as Currency: Format all calculation result cells as $#,##0.00 (USD) or #,##0 "៛" (KHR) for clean financial reporting.
3. Calculate Total Payable & Profit: To calculate total money returned at the end of loan: = Monthly_Payment * Total_Months.