CUMIPMT Function (LibreOffice Calc)

• Returns cumulative interest between two periods
• Supports monthly, quarterly, annual, or custom payment frequencies
• Works with standard amortizing loans
• Negative result indicates cash outflow (interest paid)

CUMIPMT(rate; nper; pv; start_period; end_period; type)

Arguments

• rate:
  Interest rate per period.

• nper:
  Total number of payment periods.

• pv:
  Present value (loan amount).

• start_period:
  First period in the range (1‑based).

• end_period:
  Last period in the range.

• type:
  Payment timing:

  • 0 = end of period
  • 1 = beginning of period

Total interest paid in the first year of a 5‑year loan

=CUMIPMT(0.05/12; 60; 20000; 1; 12; 0)

Interest paid in periods 13–24

=CUMIPMT(0.05/12; 60; 20000; 13; 24; 0)

Annual payments (type = 1)

=CUMIPMT(0.06; 10; 15000; 1; 3; 1)

Build a full amortization schedule

Interest for each year:

=CUMIPMT(rate/12; nper; pv; (year-1)*12+1; year*12; 0)

Combine with CUMPRINC for full breakdown

=CUMIPMT(rate; nper; pv; s; e; 0)
=CUMPRINC(rate; nper; pv; s; e; 0)

Validate period range

=IF(A4 > A5; "Invalid"; CUMIPMT(rate; nper; pv; A4; A5; 0))

Compute interest for a custom quarter

=CUMIPMT(rate/12; nper; pv; 25; 27; 0)

Use with PMT to verify totals

=PMT(rate/12; nper; pv) * periods - CUMPRINC(...)

CUMIPMT returns a negative number

This represents interest paid (cash outflow).
Use ABS() if you need a positive value.

Behavior details

• Periods must be integers
• start_period ≥ 1
• end_period ≤ nper
• start_period ≤ end_period
• rate must match the period frequency
• pv must be positive for loans

Invalid inputs → Err:502

• Always match rate to the period frequency
• Use type = 0 unless modeling annuity‑due payments
• Pair with CUMPRINC for full amortization analysis
• Use PMT to verify payment consistency
• Use ABS() when presenting interest as a positive value

• CUMPRINC — cumulative principal
• IPMT / PPMT — interest/principal for a single period
• PMT — payment amount
• RATE / NPER / PV / FV — loan structure functions

By mastering CUMIPMT, you can build accurate, auditable loan and amortization models in LibreOffice Calc.