Come funziona nel dettaglio.
RATA è una funzione fondamentale di Excel. Calcola la rata periodica di un prestito basandosi su pagamenti costanti e un tasso d'interesse fisso. Consente di velocizzare la gestione dei fogli di calcolo, ridurre gli errori e creare report automatizzati professionali.
💡 In parole semplici.
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."
Sintassi.
Notazione Ufficiale Excel=RATA(tasso_int; periodi; val_attuale; [val_futuro]; [tipo])Argomenti.
Di seguito l'elenco dettagliato di tutti i parametri accettati da questa funzione.
The interest rate for the loan. Divide annual rate by 12 for monthly.
Valore d'esempio:B2/12The total number of payments for the loan. Multiply years by 12 for monthly.
Valore d'esempio:C2*12The present value, or the total amount that a series of future payments is worth now (loan principal).
Valore d'esempio:A2The future value, or cash balance wanted after last payment is made. Defaults to 0.
Valore predefinito: 00 = Payments due at end of period (default), 1 = Payments due at start of period.
Valore predefinito: 0Esempio pratico.
Scenario di utilizzoMortgage 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.
Generatore di formula.
Apri Procedura Guidata CompletaCompila i campi qui sotto per creare una formula personalizzata pronta da incollare nel tuo foglio di calcolo.
=RATA()Caratteristiche del risultato.
Returns "Calculated output" based on sample evaluation criteria and active cell references.
Migliori Pratiche
- 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.
Errori Più Frequenti
- PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
Compatibilità per programma e versione.
Verifica tecnica eseguita sui motori di calcolo ufficiali di Microsoft Excel e Google Fogli.
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.
Domande frequenti.
Domande TecnicheCan 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.