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How To Do Amortization Schedule With 30/360 Year

I've forgotten how to adjust the interest rate in my PMT function to create a payment based on a 30 day month/360 day year loan amortization concept. Can someone help?

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A previous poster explained what I also need; there were no responses,
so I thought I would try again.

Does anyone know of an Excel template--or a small stand-alone
program--that will calculate the interest/principal breakdown when
payments are varied in amount and frequency? Free or low-cost, please.
I need one that will work on my Mac/Office 2004. I will need to print
out periodic reports.

Here is the way the previous poster described it:
"Excel template: Loan Amortization for random/irregular payments,
figures days
between payment dates.
I have a loan with a variable beginning balance and irregular payments
annual large payment. (based on collections)
Would like to enter payment and date.
then Excel would figure days since last payment, interest amount,
amount, Ending Principal balance.
And total interest paid, total pricipal paid
If I change the starting principal, excel would recalculate all

Thanks very much.

I need to create a bar chart for the year. I've already have 3 bars for each of the months, a plan, an actual, and a last year. I need to be able to split out just the actual bar, so that it is a stacked bar. The other two bars need to stay and remain unstacked. Is this possible?

Regarding Charts in Excel:

Is there a way to have the Min and Max values adjusted dynamically for the Scale of the values being displayed ??

I know that I can use named ranges to display various sections of data -- month by month, or quarter by quarter, for example.

But when the value of these ranges vary greatly from section to section I end of having to manually go and adjust the Min and Max values of the chart scale.

For example, if I was looking at a graph of the S&P 500's prices last November, a Min and Max range of 750 to 1200 would be fine. But if I had a dynamic range established and scrolled over to view the S&P 500's prices for this past February, I would need a Min and Max range of around 650 to 850.

Is there a way to have these Min & Max values adjust automatically depending on the values being displayed ??



I have a spreadsheet set up with an employees information, including the start date. After each year that the employee is working, he gets bumped up on the pay scale. For this reason, I only need to know how many years the employee has been working, rounded down to the nearest year.

This is what I have so far (hire date is in column B):

=((TODAY()-B4)/365)&" YEARS"

This function gives me a number with many decimal places.

I tried:

=ROUNDDOWN((TODAY()-B4)/365),0)&" YEARS"

It tells me I have too few arguments. Please help!

Entering time values in custom format [h]:mm:ss
Cells accept hours over 23,
Adding cells in column returns correct total time.
Have not found a way to multiply these cells by a $ hourly rate.
So use HOUR(cell ref) and MINUTE(cell ref) to capture values in referenced
cell - then use these values to calculate total payment for $rate per hour.
However, the HOUR(cell ref) formula returns the hours in excess of 24 when
the cell contains an hour value in excess of 23 (ie 27 hours returns 3).

Dear Sir,

If any one could give me a solution for this its will be a great help for me.

I am working in a bank and on every day we receive Month to date data of Loans and advances made by every branch with Region wise total and manager wise total. With Sum of loan and count of loan. In our MIS format the in A coulum branches are sorted and listed in a sequence with sub total Region. I have data where if if do the pivot and change the data the out put should be displayed accordingly in the MIS format. Can any one help me how can we do this or is there any other office addins/softwares are available if so the data is changed on a daily basis and if we do the pivot it will automatically copy the data to the MIS format.


I have attached a schedule for shift allowance calculation. The conditions for payment are as follows:

3 & 4 shifts = 15% Basic
2 shifts = 10% Basic
If on leave for 21 working days or more, no shift allowance
If on leave for less than 21 working days and on 3 or 4 shifts, shift allowance prorated as (Basic*15%)/21*(diff. btw 21 and no of days leave observed)

If on leave for less than 21 working days and on 2 shifts, shift allowance prorated as (Basic*10%)/21*(diff. btw 21 and no of days leave observed)

The formular I used in the attached worked but the only problem is that I had to sort by no. of shifts and adjust the formular first. I need A formular that does not require sorting. I tried to combine IF, AND, OR formulae but I got error. Please assist me sort this out. Thanks a bunch.

Very new in this board. If I post this question in the wrong forum please bear with me.
There is about 20 staffs in our department and I have made a spreadsheet with 12 tabs for each month of the year Jan-Dec. If each staff have 15 days annual leave each year and how can I make a formular that can automatically calculate the balance of annual leave and entered in the tabs of the following months. For example if staff A used 5 days in Jan how can the balance of 10days be entered in the tabs from Feb-Dec. If he use another 5 days in July the remain balance of 5 days be automatically entered in the tab from Aug to Dec. Likewise if staff A took 2 days sick leave in Jan, and 2 days in Mar how can this sick days be automatically sum up in the months after. I am doing this manually at the moment and it is very time consuming and also very easy to make mistake.
Thanks and sorry for this long questions

I have a graph with various information in it. One is a line graph that tracks hours used in that department per month. The problem is that when it gets to the last month, and there is not yet data for future months, the line goes down to Zero (leavin this big diagonal line that makes the data look funny). I need this line to stop on the last month there is data for. (I do not manually enter the data, it is a formula that I do not wish to delete.) I know I can manually move the data that the line is pulling to make it stop on the last month, but I have a graph for 36 different departments and that's a pain to have to manually adjust 36 graphs each month. Is there a way to tell the line to stop if there is no data? Thanks!!

Right now I have a sports league with 8 teams, I'd like to create a random 7-game schedule where each team plays the other team only once. Essentially this will be a 7-game round robin. However, I'd like to be able to use this for any number of teams and games.

I'd like to do this in Excel, but I can't figure out how to have a randomly generating non-repeating macro with text values in cells.

So right now I have a column of 8 values and need matrix of 7 columns by 8 rows next to it.

I've found this thread that has one for numbers, but I can't figure out how to do it for text values...

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Thanks all!

I just worked with a data set where I needed to create a unique key based on existing information where no unique key was set up as a field. I accomplished it by concatenating (using the & [concatenation] operator) several fields based on what I hypothesized and observed about their content.

I'm thinking there has to be a more automated way to discover the best unique key of existing fields and their data. I thought I'd post this as a challenge because I don't know the "right" (or better) answer.

Anyone have any ideas?

Hi all,

I have a dillemma here,

I have to create a schedule which incorporates lunches automatically (either half hour or 1-hour lunches, depending on the circumstances).

The schedule only has time in and time out, but I need excel to automatically deduct the lunch break depending on the circumstance:

If you worked less than 6 hours = no lunch
If you worked more than 6 hours, but less than or equal to 8 hours = 0.5 hour lunch
If you worked more than 8 hours = 1 hour lunch

I am assuming the formula for this will be really long, but I have looked online everywhere and have not found ONE formula for it. I can't put lunch breaks seperately, so all I have to work with is Time in/out.

Also, I wouldn't be able to use military time, so I don't know how excel can assume that time in is in the morning, and time out is in teh evening and/or half-day.

If someone can help it would be greatlyyyy appreciated

How can I calculate a 3% anual rent increase over 15 years (3% over the last year's rent)?

My balance sheet is prepared in rupees.
I want to show all figures in Lacs like value 235600 show 23.56

In previous year i divided all values one by one by inputting /100000 but its so tedious.
Pl help.

I see a formula that our Human Resources Department is using to annualize voluntary turnover.

It looks like this:


So if I substitute with some actual data:

=(6/((22+33)/2))*12/months the answer becomes 21.8% (as the annualized voluntary turnover rate).

What does the *12/months actually do mathematically? I cannot find it in the excel help files and have not been able to figure this out using math (on the calculator).

Some time ago I created a spreadsheet and greyed out the areas that weren't needed. Now I need to expand the spreadsheet and use more columns. Trouble is I've forgotten how to unhide those columns. I didn't write any macros and usings the right-click unhide method is proven futile. The sheet isn't protected which is puzzling since I can't get the mouse to even highlight any of the greyed out areas.

Any suggestions would be fantastic!


Is there a way to create a second worksheet that is based on data from an original sheet that will automatically update when you ADD ROWS to the original sheet?

Linking values between sheets is easy... but I need to be able to set a designated area on my A sheet that I can add rows into which will automatically be added to my B sheet.

Does anyone know of a function that I can apply for this?

Newbie here and I don't know where to start... I'm trying to set up a macro to when data is pasted to a TEMPLATE worksheet tab it will automatically copy and paste data to another sheet based on the month value.
For example:
If data contains 06/01/2011 in cell A1, then data needs to be pasted to "Jun" worksheet within the same workbook.

Can someone assist or can give some direction? Thank you


I have two columns of data: column A contains the date and time in the form dd/mm/yyyy. Column B contains a number value. All the times are in order, so column A looks like:


I have data from 2007 to 2010. I need to calculate an average daily value (in column B) for each month, and display it in column C. So, for January, I need to calculate the average of 31 days, February, 28 days, etc.

Is there a function I can use to do this? I've been trying the AVERAGEIF formula but can't get it to work. Any ideas would be much appreciated!

Many thanks,


I am entering lots of family history data into a spreadsheet. At the simplest I have columns (in cells A1 B1 C1) the headings, Surname, Forename, Year. Right now, I enter in cells A2 B2 and C2 say: Smith <Tab> John <Tab> 1555 <Enter, move mouse to the A column in the next row down). What I want to happen is when I have entered the last data in a row and pressed <Enter> I move automatically to the A-column in the next row down.

Is this possible?

Regards and a Merry Christmas to all


This formula is supposed to calculate difference between today and date hired to give years and months of service. Works fine for all except if the person was hired in year 2000 then this formula shows 110 y. Any one know how to fix this? or have a different formula that works.

=DATEDIF(E21,TODAY(),"y")&" y "&DATEDIF(E21,TODAY(),"ym")&" m"


Hi, this is something so simple that I have forgotten how to do it.
I want F3 to turn yellow if someone selects "Yes" from a drop down list in cell E3, then F3 has no fill once data is entered into it. And F3 turns Black if E3= no selected from the list. Or F3 turns red if E3 contains "TBC"

so in summary,

if E3="Yes", then F3 conditional format to Yellow until data is entered in it.
if E3="No", then F3 conditional format to Black
if E3="TBC", then E3 & F3 conditional format to Red until E3 is changed to
"Yes" or "No" at a later time.

Thanks in Advance for the help


Okay, so I tried (for hours) to find a solution to this and have finally gotten frustrated to the point where i think asking here will be my best bet.

Basically I want to export data from excel worksheets to various places on a word document I had. I have created a word template as well as bookmarks for that template, as that seems to be the recommendation for performing such a task with excel.

My problem is ... Now what?

I basically have 1 constant worksheet that contains all my affiliates info (Name, Address etc), which i'd like to use to populate some bookmarks in my word template, and then i have another worksheet for the previous month, indicating sales etc for that affiliate. I intend on adding a new worksheet every month that i would use to create new invoices.

Furthermore, i'd really like to be able to update a new file (or perhaps a new page on the same file) for each company with the use of a button, similar to the one's you'd see in an access form.

Can anyone help? Let me know if you need me to clarify.



Good afternoon!

I'm working with Excel 2003 sp 3 on Windows xp.

I have been banging my head trying to jar loose the formula to calculate man days where 1 equals 8 hours. I have one that was given to me by a coworker:


That calculates man days from total hours. I need a formula that will total man days and return the man day answer. Example:

weekending 12/25 = 16.2 which is 16 man days and 2 hours
weekending 1/1 = 24.7 which is 24 man days and 7 hours

Total = 41 man days and 1 hour

I have also been asked if there was a way for a number to be entered into a spreadsheet and automatically put in order without a macro or "pushing a button".

Any advice is greatly appreciated!

Happy New Year!

~ Brenda ~

Hey everyone - how would I create an IF statement that looks at the first two text characters of a particular cell?

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