CUMIPMT Function in ONLYOFFICE Spreadsheet Editor: Syntax, Examples and Troubleshooting

• Introduced: The original release and date are not established by the official sources checked.
• Availability: Documented in the current ONLYOFFICE Spreadsheet Editor help; no final working-version endpoint is established.
• Scope: Docs and Desktop Editors release separately. This unversioned reference does not establish support in every older build or mobile client.
• Checked: October 14, 2026, against the official CUMIPMT reference. Documentation and independent financial examples, plus the two Desktop Editors Community 10.0.0.169 Linux cases below.

=CUMIPMT(rate, nper, pv, start_period, end_period, type)

Always supply type. The official reference prints six arguments without optional brackets, but its description also mentions an omitted value of zero. In the native check below, omitting the sixth argument returned an error. An explicit 0 or 1 avoids relying on the documentation ambiguity. There is no fv argument; use a payment-by-payment schedule if you need a nonzero terminal target.

The following exact formulas were recalculated in Desktop Editors Community 10.0.0.169 on Linux:

The explicit-zero result also agrees with an independently calculated payment schedule. The error is an observed result for this omitted-argument formula and build; it is not a universal error rule for every CUMIPMT failure or every Docs deployment.

Enter these values in a blank worksheet and place results in unused cells, leaving the inputs intact.

Money received is positive and money paid out is negative, so the interest total is negative for this borrower. The result is a cash amount in the same units as pv, not a rate or percentage.

The first-year total is about 551.90 in interest cost. It is smaller than 10000 × 6% = 600 because principal is paid down during the year. Year two costs less again as the outstanding balance continues to fall.

Payment ranges include both endpoints. Year one is 1–12, year two is 13–24, and year three is 25–36. Starting year two at 12 would count payment 12 twice.

For a two-year total:

=CUMIPMT(B2,B3,B4,1,24,0)

The expected result is -994.760697. It equals the sum of the separate first- and second-year totals before rounding. For a positive report display, use =-CUMIPMT(B2,B3,B4,1,24,0).

The expected monthly payment is -193.328015294. Over 60 payments, total signed cash paid is approximately -11599.680918; adding back the positive 10,000 advance leaves interest -1599.680918:

=60*PMT(B2,B3,B4,0,0)+B4

Beginning-of-period payments use a different payment amount. Their first interest component is zero and full-term interest is approximately -1541.971062:

=CUMIPMT(B2,B3,B4,1,60,1)

This is a timing comparison within the same fixed-rate model, not a claim that changing a lender’s due date will produce that saving.

Enter payment numbers 1 through 12 in D2:D13. In E2, enter:

=IPMT($B$2,D2,$B$3,$B$4,0,$B$7)

Fill down to E13, then enter =SUM(E2:E13) in E15. The expected total is -551.904511, matching the first table row. This provides a transparent breakdown when a range total looks surprising.

• Unexpected sign: Positive loan proceeds produce negative repayment components. Negate a result for a positive cost or debt-reduction display, but retain signed values in reconciliation formulas.
• Wrong rate or term: Match units. For a nominal 6% annual rate and monthly payments, use 6%/12 and 60, not 6 and 5.
• Invalid period: Use whole-number payment indices from 1 through nper. A range must have its start no later than its end.
• Totals differ by cents: Format results for display without rounding intermediate formulas. A lender that rounds each installment, uses daily interest or changes the last payment can produce different totals.
• Formula error: Check numeric inputs, period bounds, timing and the configured formula language. The short official reference does not specify every error token or text/blank coercion rule.

These examples assume fixed rates, equal periods and the scheduled payments. Extra payments, skipped installments, fees and variable rates need a separate cash-flow schedule.

• PMT calculates the complete periodic payment.
• IPMT and PPMT split one payment into interest and principal.
• CUMIPMT and CUMPRINC total a selected range.
• SUM adds worksheet components; ROUND is useful when a model explicitly calls for rounded amounts.

The function-entry guide explains the function dialog. Advanced Settings covers formula language and regional settings; examples here use English names, decimal points and commas.

Example verification: Results were independently calculated with high-precision annuity equations and a separate discounted-payment/amortization model. The main loan worksheet uses six-decimal half-up display rounding. Its examples remain independently calculated; only the two formulas in the native-check section were executed in the named build.