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Like a spreadsheet

Simulating spreadsheet logic in Coda
Christiaan Huizer
Functions 01
Most people are used to a spreadsheet approach when it comes to interest related calculations. Such an approach has a line (row) for each year and or month. To fill out the table we use controllers and a button.
This page
⁠
contains a simpler approach with a few variables and results in the same row.

The spreadsheet alike approach


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10000
⁠
4
⁠
10
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⁠
Clear Table
⁠
Loan without Payback
Year
Loan
Rate
Multiplier
Due without pay-back
1
1
€10,000.00
4%
1.04
€10,400.00
2
2
€10,000.00
4%
1.08
€10,816.00
3
3
€10,000.00
4%
1.12
€11,248.64
4
4
€10,000.00
4%
1.17
€11,698.59
5
5
€10,000.00
4%
1.22
€12,166.53
6
6
€10,000.00
4%
1.27
€12,653.19
7
7
€10,000.00
4%
1.32
€13,159.32
8
8
€10,000.00
4%
1.37
€13,685.69
9
9
€10,000.00
4%
1.42
€14,233.12
10
10
€10,000.00
4%
1.48
€14,802.44
There are no rows in this table
⁠
The multiplier is not needed as separate column, but the number show (certainly when you test with a round number for amount like 1000 Euro) is a number that you see back in the last column.
The part below shows a bit how a spreadsheet approach in Coda makes it unnecessary difficult (in my opinion).
Loan with Payback
Year
Loan
Rate
Years Inverse
Average part
All amounts due
Amount due per year
Interest per year
Payment per year
Payment per month
Average payement
Average per month
1
1
€10,000.00
4%
10
€1,000.00
10400936083207280624052004160312020801040
€10,400.00
€400.00
€1,400.00
€116.67
€1,220.00
€101.67
2
2
€10,000.00
4%
9
€1,000.00
10400936083207280624052004160312020801040
€9,360.00
€360.00
€1,360.00
€113.33
€1,220.00
€101.67
3
3
€10,000.00
4%
8
€1,000.00
10400936083207280624052004160312020801040
€8,320.00
€320.00
€1,320.00
€110.00
€1,220.00
€101.67
4
4
€10,000.00
4%
7
€1,000.00
10400936083207280624052004160312020801040
€7,280.00
€280.00
€1,280.00
€106.67
€1,220.00
€101.67
5
5
€10,000.00
4%
6
€1,000.00
10400936083207280624052004160312020801040
€6,240.00
€240.00
€1,240.00
€103.33
€1,220.00
€101.67
6
6
€10,000.00
4%
5
€1,000.00
10400936083207280624052004160312020801040
€5,200.00
€200.00
€1,200.00
€100.00
€1,220.00
€101.67
7
7
€10,000.00
4%
4
€1,000.00
10400936083207280624052004160312020801040
€4,160.00
€160.00
€1,160.00
€96.67
€1,220.00
€101.67
8
8
€10,000.00
4%
3
€1,000.00
10400936083207280624052004160312020801040
€3,120.00
€120.00
€1,120.00
€93.33
€1,220.00
€101.67
9
9
€10,000.00
4%
2
€1,000.00
10400936083207280624052004160312020801040
€2,080.00
€80.00
€1,080.00
€90.00
€1,220.00
€101.67
10
10
€10,000.00
4%
1
€1,000.00
10400936083207280624052004160312020801040
€1,040.00
€40.00
€1,040.00
€86.67
€1,220.00
€101.67
There are no rows in this table
⁠

The spreadsheet alike approach
Loan without Payback
Loan with Payback
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