Fonctionnement détaillé.
VPM est une fonction indispensable d'Excel. Calcule le montant du remboursement d'un emprunt à taux d'intérêt constant et mensualités régulières. Elle permet d'automatiser vos tableaux, fiabiliser vos calculs et gagner un temps précieux au quotidien dans vos feuilles de calcul.
💡 En résumé simple.
Calculates the monthly payment for a loan (like a house mortgage or car loan) based on interest rate and loan term.
"Think of this like calculating how much pocket money you have to pay back each month for buying a console on loan."
Syntaxe.
Notation Standard Excel=VPM(taux; npm; va; [vc]; [type])Arguments.
Détail de l'ensemble des paramètres acceptés par cette fonction.
The interest rate for the loan. Divide annual rate by 12 for monthly.
Exemple :B2/12The total number of payments for the loan. Multiply years by 12 for monthly.
Exemple :C2*12The present value, or the total amount that a series of future payments is worth now (loan principal).
Exemple :A2The future value, or cash balance wanted after last payment is made. Defaults to 0.
Défaut : 00 = Payments due at end of period (default), 1 = Payments due at start of period.
Défaut : 0Exemple pas à pas.
Cas d'usage concretMortgage Monthly Payment Calculator
Calculate the monthly payment for a loan principal, annual interest rate, and term in years.
| Loan Principal | Annual Rate | Term (Years) | Monthly Payment | Units |
|---|---|---|---|---|
| 250000 | 0.045 | 30 | — | Monthly interest rate = B2/12 |
| 15000 | 0.060 | 5 | — | Monthly periods = C2*12 |
| 350000 | 0.052 | 15 | — | — |
=-PMT(B2/12, C2*12, A2)Evaluates PMT over the sample table cells, placing the verified output in cell D2:D6.
Générateur de formule.
Ouvrir l'assistant completPersonnalisez les champs ci-dessous pour générer une formule prête à être copiée dans votre classeur.
=VPM()Nature du résultat produit.
Returns "Calculated output" based on sample evaluation criteria and active cell references.
Bonnes Pratiques
- The payment returned by PMT is a negative number because it represents cash going out. Wrap the PV or the entire formula in a minus sign (e.g. `=-PMT(...)`) to display the result as a positive number.
- Be extremely careful to use consistent units for rate and nper.
Erreurs à Éviter
- PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
Compatibilité par logiciel et version.
Vérification effectuée selon les moteurs de calcul officiels de Microsoft et Google.
Core standard function supported across all modern and legacy Microsoft Excel versions (365, 2021, 2019, 2016, 2013, 2010), as well as Excel for the Web and Mac.
100% compatible with Google Sheets. Uses identical argument order, data types, and standard calculation logic.
Questions fréquentes.
Questions TechniquesCan I use PMT across different worksheets in Excel?↓
Yes. You can reference cells located on other sheets by including the sheet name followed by an exclamation mark, for example: =PMT(Sheet2!A2:A10). If the sheet name contains spaces, enclose it in single quotes: ='Q1 Report'!A2:A10.
What is the most common reason for errors in PMT?↓
PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
Does PMT work identically in Google Sheets?↓
Yes, PMT is supported in both Microsoft Excel and Google Sheets with standard evaluation behavior.