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PMT.

一定の金利と均等支払い方式に基づいて、融資の定期支払額（返済額）を計算します。

構文引数一覧実例対話型サンドボックス数式ビルダー対応バージョンよくある質問関連関数チートシート
財務
ExcelExcel 365Excel 2021Excel 2019Google Sheets

仕組みと動作原理

PMT関数はExcel業務を効率化する代表的な関数です。一定の金利と均等支払い方式に基づいて、融資の定期支払額（返済額）を計算します。 複雑な集計や参照処理を簡素化し、データ分析の精度と生産性を飛躍的に高めます。

💡 わかりやすい要約

Calculates the monthly payment for a loan (like a house mortgage or car loan) based on interest rate and loan term.

日常のたとえ

"Think of this like calculating how much pocket money you have to pay back each month for buying a console on loan."

構文.

標準Excel表記法
=PMT(利率, 期間, 現在価値, [将来価値], [支払期日])
ヒント: カッコの中の [角カッコ] で囲まれた引数は省略可能です。その他の引数は必須です。

引数一覧.

この関数で指定できるすべての引数について詳しく解説します。

rate必須

The interest rate for the loan. Divide annual rate by 12 for monthly.

指定例: B2/12
nper必須

The total number of payments for the loan. Multiply years by 12 for monthly.

指定例: C2*12
pv必須

The present value, or the total amount that a series of future payments is worth now (loan principal).

指定例: A2
fv省略可

The future value, or cash balance wanted after last payment is made. Defaults to 0.

初期値: 0
type省略可

0 = Payments due at end of period (default), 1 = Payments due at start of period.

初期値: 0

具体的な計算例

ステップ別の実務シナリオ

Mortgage Monthly Payment Calculator

Calculate the monthly payment for a loan principal, annual interest rate, and term in years.

Loan PrincipalAnnual RateTerm (Years)Monthly PaymentUnits
2500000.04530—Monthly interest rate = B2/12
150000.0605—Monthly periods = C2*12
3500000.05215——
適用する数式
=-PMT(B2/12, C2*12, A2)
期待される結果::Calculated output

Evaluates PMT over the sample table cells, placing the verified output in cell D2:D6.

数式ジェネレーター

ウィザードを開く

引数を入力するだけで、シートにそのまま貼り付けて使える数式を作成できます。

Generated Formulaコピー準備完了
=PMT()

出力される値の特性

Returns "Calculated output" based on sample evaluation criteria and active cell references.

出力サンプル::Calculated output
戻り値の型::Text

実務上のベストプラクティス

  • 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.

よくあるミスと注意点

  • PMT calculates principal and interest only. It does not account for taxes, insurance, or transaction fees.
互換性情報

各プラットフォーム対応表

実際のExcelおよびGoogleスプレッドシートの計算エンジン仕様に基づいた検証結果です。

Excel✓
対応
Excel 365✓
対応
Excel 2021✓
対応
Excel 2019✓
対応
Google Sheets✓
対応
Excelバージョン対応履歴

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.

Googleスプレッドシート対応状況

100% compatible with Google Sheets. Uses identical argument order, data types, and standard calculation logic.

よくある質問と回答

技術解説
Can 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.