1. Open the WPS table and create a new blank table. Enter? Number of periods? 、? Principal? 、? Interest? 、? Monthly payment? .

2. Calculate the monthly payment: Input? = PMT(0.005 1. 120， 100000)？ , drag fill handle down to D 12 1.

3. Calculate principal: Enter? 1? , drag fill handle down to? 120? . Enter the formula in B2? =PPMT(0.005 1，ROW()- 1， 120， 100000)？ , drag fill handle to copy the formula down to B 12 1.

4. Calculate interest: enter the formula in C2? =B2-D2？ , drag fill handle to copy the formula down to C 12 1.

Making such a detailed repayment table can not only make a repayment table, but also calculate investments such as annuities.

Formula explanation:

1. Function PMT returns the installment amount of the loan according to the fixed interest rate and equal installment payment.

PMT(0.005 1. 120, 10000), 0.005 1 is the monthly interest rate, and 120 is the loan term, that is,120 (/kloc-).

2. The function PPMT returns the principal repayment amount of the investment in a given period according to the fixed interest rate and equal installment payment.

PPMT (0.005 1, ROW ()- 1, 120, 10000), 0.005 1 is the monthly interest rate, and ROW()- 1 is the period.