CUMIPMT in Collabora Office: Total Interest Across a Payment-Period Window
Use Collabora CUMIPMT with a periodic rate and payment timing, reproduce the documented interest total, and reconcile interest against a loan schedule.
Verification status: See the evidence and test scope described in this guide. How formula examples are checked
Quick answer: =CUMIPMT(5.5%/12;24;5000;4;6;1) has documented result −57.54 currency units when rounded to cents. It totals interest for periods 4 through 6 of the stated beginning-of-period payment model.
Syntax and six required arguments
=CUMIPMT(Rate; NPer; PV; S; E; Type)
Rate is the interest rate per payment period. NPer is the total number of periods; the source explicitly says it can be noninteger, though the worked schedules here use whole periods. PV is the present value. S and E select the first and last periods of the cumulative window. Type selects beginning- or end-of-period payments.
The source example establishes Type 1 for beginning-of-period payments. The companion CUMPRINC example establishes Type 0 for end-of-period payments. There is no omitted Type default in this syntax; supply it explicitly.
For monthly payments at a nominal annual rate of 5.5%, the example uses 5.5%/12. Do not use the annual rate unchanged as a monthly rate. Keep NPer, S, and E in the same period units.
Example: reproduce the vendor’s interest window
Put the formula =5.5%/12 in B2, then numeric inputs 24, 5000, 4, 6, 1 in B3:B7. In B9 enter =CUMIPMT(B2;B3;B4;B5;B6;B7).
The documented rounded result is −57.54. An independent amortization calculation gives approximately −57.541241534. The negative sign represents payments out from the borrower/cash-receiver perspective used by the source example; the interest-payment magnitude is 57.54.
The window includes three periods: 4,5,6. It is not a six-period cumulative total and does not begin at period zero.
Independently audit the payment model
For the same 5000 present value, 24 periods, and rate 5.5%/12, the independently calculated beginning-of-period payment magnitude is approximately 219.472365781.
An independent schedule subtracts the first payment immediately, then accrues each subsequent interval’s interest on the remaining balance. In this annuity-due control, the first payment’s interest component is zero. Summing the period-4 through period-6 interest components gives 57.541241534 before applying the outward-payment sign.
This explains the source control mathematically. It does not certify every native boundary rule for first periods, fractional NPer, or invalid inputs.
Advanced example: use a small end-of-period schedule
For present value 1200, rate 12%/12, 12 monthly periods, window 1 through 3, and Type 0, the independent payment magnitude is approximately 106.618546414.
The first period’s interest is 12. The independently calculated total interest across the first three periods is approximately 33.151981753, so the expected CUMIPMT result in this payment-sign convention is −33.151981753.
The corresponding principal paid is approximately 286.703657489. Their sum, 319.855639242, equals three payment magnitudes. SUM can audit separately stored interest and principal columns.
Advanced interpretation: payment total and interest total differ
The full payment includes both interest and principal. Multiplying a payment by the number of selected periods does not give cumulative interest alone. For the three-period control, that product is about 319.86, whereas interest is only about 33.15.
IPMT is a related guide for a single period’s interest component, and PMT explains the complete periodic payment. Keep the same rate, total periods, present value, and timing when comparing functions.
Errors and troubleshooting
Check the rate unit, period window, payment timing, and sign convention. A period window outside the model or with its start after its end is not a meaningful cumulative-payment request. The dedicated help does not enumerate the exact native error for every such case.
The source’s noninteger-NPer allowance is preserved, but this guide does not establish all fractional-window, zero-rate, text-coercion, or numerical-limit behavior. It models a constant rate and regular payments, not a changing-rate account or unlisted fees. Use ROUND for reporting after the unrounded schedule reconciles.
Availability and verification
The exact function is documented in Collabora Office 26.04 desktop help, retrieved and reviewed on October 17, 2026. This establishes a documentation scope, not the first release that introduced the function or the last version in which it works; those versions and any retirement date remain unestablished. Collabora Online and mobile support are not inferred from desktop help, nor is behavior in another spreadsheet product.
The examples are documentation-based expectations with independent calculations. They have not been executed in Collabora Office. No application screenshot or native error/coercion certification is implied. Formulas use English function names and semicolon argument separators.
References
- Collabora Office 26.04: CUMIPMT (checked October 17, 2026).
- Editorial testing standards.