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Easy interest calculations

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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1000
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5
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5
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⁠
Clear Table
⁠
Loan without Payback
1
Year
Loan
Rate
Multiplier
Due without pay-back
1
1
€1,000.00
5%
1.05
€1,050.00
2
2
€1,000.00
5%
1.10
€1,102.50
3
3
€1,000.00
5%
1.16
€1,157.63
4
4
€1,000.00
5%
1.22
€1,215.51
5
5
€1,000.00
5%
1.28
€1,276.28
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
1
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
€1,000.00
5%
5
€200.00
1050840630420210
€1,050.00
€50.00
€250.00
€20.83
€230.00
€19.17
2
2
€1,000.00
5%
4
€200.00
1050840630420210
€840.00
€40.00
€240.00
€20.00
€230.00
€19.17
3
3
€1,000.00
5%
3
€200.00
1050840630420210
€630.00
€30.00
€230.00
€19.17
€230.00
€19.17
4
4
€1,000.00
5%
2
€200.00
1050840630420210
€420.00
€20.00
€220.00
€18.33
€230.00
€19.17
5
5
€1,000.00
5%
1
€200.00
1050840630420210
€210.00
€10.00
€210.00
€17.50
€230.00
€19.17
There are no rows in this table
⁠

The spreadsheet alike approach
Loan without Payback
Loan with Payback
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