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Easy interest calculations
Payback varations
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Easy interest calculations

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Like a Coda Table

The power of a Coda Table
Archived Loans in Coda
I a Coda table we work differently compared to a spreadsheet, the year as number in a column, the interest as a number in a column, the amount in a column and the outcome in a column. Since we execute the calculation per row, we simple add a new row to see the results coming on that same row. This logic alignes well with the remarks of
Federico.
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Also, Coda - as well as other relational oriented data tools - favorites a row-based approach rather that a column-oriented. Meaning that it is usually easier add a row than a column and if you follow this principle
Average per month you’ll take full advantage of the tool.
Source
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Simply add a row, fill out the blue columns and you see the results coming.
Accumulated Amount → no pay back
Accumulated Interests → all the interests to pay in case of no pay back
Average per Year → amount you pay back per year on average during the period you defined
Total Interests → the interest accumulated over the period and the loan while paying back
Average per month → amount you pay back per month
Delta Interests → delta between interest when paying back and not paying back the loan

Add Loan
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Loans in Coda
Archive
Evolution over time (monthly) with pay back
Years
Rate
Loan
Accumulated Amount
Accumulated Interests
Average per Year
Average per month
Total Interests
Delta Interests
1
Archive
€3,217.50 → €2,549.25 per month in 10 years with 3% over €297,000.00
10
3%
€297,000.00
€399,143.16
€102,143.16
€34,600.50
€2,883.38
€49,005.00
-€53,138.16
2
Archive
€550.00 → €510.00 per month in 5 years with 2% over €30,000.00
5
2%
€30,000.00
€33,122.42
€3,122.42
€6,360.00
€530.00
€1,800.00
-€1,322.42
3
Archive
€383.33 → €350.00 per month in 3 years with 5% over €12,000.00
3
5%
€12,000.00
€13,891.50
€1,891.50
€4,400.00
€366.67
€1,200.00
-€691.50
4
Archive
€10.74 → €6.88 per month in 24 years with 2.5% over €1,933.57
24
2.5%
€1,933.57
€3,497.30
€1,563.73
€105.74
€8.81
€604.24
-€959.49
5
Archive
€8.77 → €4.86 per month in 34 years with 2.5% over €1,933.57
34
2.5%
€1,933.57
€4,476.84
€2,543.27
€81.75
€6.81
€845.94
-€1,697.33
There are no rows in this table
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Clear Table
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To understand this logic better, check-out
my comments here.
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The archived data you find here:
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Archived Loans in Coda
To keep an eye on calculations you might need one day
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