CUMPRINC Function (Calligra Sheets)

• Introduced: Original introduction release not established; the inspected release is not an introduction date.
• Available: Registered in Calligra Sheets 26.08.2, verified from first-party released source retrieved on October 18, 2026.
• Retired or deprecated: Neither is established by the inspected sources. The function remains registered; retirement and deprecation are different claims.
• Evidence: Selected formulas were executed in the Calligra Sheets 25.04.2 GUI on October 18, 2026. The native-results section lists those observations separately from independent arithmetic and source analysis. 26.08.2 was source-checked only.
• Entry style: English function names, semicolon argument separators and decimal points. Use DATE constructors instead of ambiguous date text. Optional-argument brackets shown in syntax are not entered literally.

=CUMPRINC(rate; periods; value; start; end; type)

All six arguments are required; there are no optional defaults. The internal model uses a zero future balance and a constant rate/payment. There is no fee, balloon, irregular-date or variable-rate argument. For a nominal 12% annual rate with monthly periods, use 0.12/12 and the number of months; do not mix monthly rate with annual period counts.

On a fresh worksheet put 0.01 in B1, 12 in B2, 1200 in B3, 1 in B4, 3 in B5 and 0 in B6. Label them periodic rate, total periods, principal, start, end and timing.

1. Enter =CUMPRINC(B1;B2;B3;B4;B5;B6) in B8.
2. Expect −286.7036574891. A two-decimal display is −286.70, but keep the underlying precision.
3. In B9 enter =B3+B8 to calculate the expected balance after the first three payments: 913.2963425109.
4. Independently verify the result by subtracting each period’s interest from the signed constant payment.

The independent end-period payment is −106.6185464140. Signed principal equals signed payment minus signed interest.

The three principal components sum to −286.7036574891. Their magnitudes grow because the interest portion falls as the loan balance declines. These amounts were calculated independently; matching selected native results are recorded below.

For periods 1–3, three payments total −319.8556392420. Subtracting cumulative interest −33.1519817529 gives cumulative principal −286.7036574891. This is the same relationship the implementation uses: number of included payments × payment, minus cumulative interest.

For periods 4–12, independently expected principal is −913.2963425109. For the complete 1–12 range it is −1200 to floating-point tolerance. The two disjoint ranges add to the original principal repayment. Use =CUMPRINC(0.01;12;1200;4;12;0) for the second range and =CUMPRINC(0.01;12;1200;1;12;0) for the total.

Do not interpret a period-range principal total as the ending balance. With a positive starting balance, add the negative cumulative principal to that balance. For an internal range such as periods 4–12, its total alone does not tell you the balance at period 3 unless you know the original loan schedule.

The payment helper adjusts payment by 1+rate for type 1, but the interest helper also divides the ordinary-period interest by that factor without making the immediate first payment’s interest zero. Consequently, the full-term principal total becomes −value/(1+rate) for this model.

For value 1200 and rate 0.01, the source-derived total is −1188.1188118812, leaving a difference of 11.8811881188 from the original 1200. The first-period type-1 principal is source-predicted as −93.6817291228. The selected 25.04.2 native run confirmed these implementation-specific amounts. A standard beginning-payment schedule should apply the immediate payment without accrued first-period interest and repay the specified principal over its term.

This discrepancy is much larger than a cent-formatting issue. Keep type 0 for the ordinary examples here; for a genuine beginning-payment contract, build and validate the intended schedule before relying on this function. The payment helper and interest helper expose the two branches.

• The source returns its internal errorVALUE for rate ≤ 0, nonpositive periods or principal, start outside 1…periods, end before start, or end beyond periods. The selected zero-rate native test displayed #VALUE!; the other validation branches were source-checked only. A zero-interest loan is mathematically meaningful, but this function rejects rate 0.
• Start/end/type pass through integer conversion. Use actual whole-number period inputs; fractional/text conversion is not established by the ordinary examples.
• The body checks whether type conversion produced an error but does not restrict the resulting integer to 0 or 1. Use only those intended choices; arbitrary nonzero type values are not a supported modeling shortcut.
• Positive principal represents borrowed funds received; calculated payments are negative outflows. Negating a result for a presentation label is different from changing the principal sign, which the function rejects.
• The model does not round every payment to cents. A real lender’s cent-rounded schedule can differ slightly; reconcile against the contract’s rounding and final-payment rules.
• Large period ranges run a loop over included payments in the interest calculation. Keep checks bounded and do not interpret successful evaluation as a performance guarantee for enormous inputs.

The Financial module registers COM.SUN.STAR.SHEET.ADDIN.ANALYSIS.GETCUMPRINC as an alternate name for CUMPRINC. It invokes the same implementation. An alias registration does not establish a workbook import/export guarantee, identical error behavior in other products or availability in every packaged build.

• PMT calculates the level payment used in a reconciliation.
• SUM can total a separately checked principal column.
• POWER supports an independent amortization formula.
• KDE CUMPRINC handbook documents the function interface.
• Released function implementation provides the actual validation and calculation rules.

These formulas were recalculated in Calligra Sheets 25.04.2 from a prepared ODS workbook and saved by the application. The table records the native-saved results. Other scenarios remain independent expectations or source analysis unless listed here.

Screenshot: Native Calligra Sheets 25.04.2. Selected cell B2 evaluates =CUMPRINC(0.01;12;1200;1;1;0) and displays -94.6185464140. Column B contains application results; column C contains the corresponding formula text. The type-1 full-term row visibly totals approximately −1188.1188118812, rather than −1200.

These observations cover only the listed cases in 25.04.2. They do not establish execution in 26.08.2, another locale, general workbook compatibility or the economic validity of unsuitable inputs.