CUMPRINC Function in Excel: Principal Repaid Over a Period

CUMPRINC Function in Excel: Principal Repaid Over a Period featured illustration

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⏱ 2 min readUpdated 5 October 2026

FinancialLevel: ExpertAvailable in: Excel 2007+

In this article
  1. Syntax
  2. Examples
  3. Example 1
  4. CUMPRINC in practice
  5. Where you will use it
  6. Worked example
  7. Mistakes people make
  8. Related functions
  9. Continue learning

CUMPRINC totals the principal part of loan payments between two periods — how much of the loan you actually cleared this year.

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Syntax

=CUMPRINC(rate, nper, pv, start_period, end_period, type)
Argument What it means
type 0 = payment at end of period.

Examples

Example 1

=-CUMPRINC(8.5%/12, 240, 3000000, 1, 12, 0)

About ₹59,700 of a ₹30 lakh home loan repaid in year one — against roughly ₹2.53 lakh of interest.

CUMPRINC in practice

Where you will use it

  • Principal repaid in year 1
  • Principal for 80C estimates
  • Loan statements

Worked example

Principal repaid in months 1-12.

LoanRateYearsFormulaResult
25000000.08520=TEXT(-CUMPRINC(B2/12,C2*12,A2,1,12,0),"#,##0")49,756
8000000.0955=TEXT(-CUMPRINC(B3/12,C3*12,A3,1,12,0),"#,##0")1,31,234
10000000.0910=TEXT(-CUMPRINC(B4/12,C4*12,A4,1,12,0),"#,##0")64,634

Results calculated in Excel.

Mistakes people make

MistakeWhat to do instead
Type argument0 = payments at month end (normal EMIs)
PeriodsStart and end are payment numbers

CUMIPMT · PPMT · PMT

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