After examining it, I noted 2 formula "enhancements"; please feel free
to add or elaborate on them. Also, "Principle" should be "Principal" as
noted and fixed in bug #67991.
1. "Total Payments Paid" formula changed from:
"Interest" sum + "Loan Amount" + "Extra Principal" sum
to:
"Interest" sum + "Principal" sum + "Extra Principal" sum
2. "Extra Principal" formula (E13:E371) changed from:
IF("Balance" = 0); then $0; else "Extra Principal Payment"
to:
IF("Balance"=0); then $0; else IF ("Balance" + "Interest" - "Principal" >=
"Extra Principal Payment"); then "Extra Principal Payment"; else "Balance" +
"Interest" - "Principal"
I think both of these are more than just enhancements, these are bug
fixes. If you enter a large amount for "Extra Principal Payment"(i.e.
$50,000) both of these bugs are pretty evident; your "Total Payments
Paid" would be incorrect and you would overpay in "Extra Principal".
There is still a bug in the spreadsheet; currently it is possible to
overpay the loan in one period (i.e. enter an "Extra Principal Payment"
larger than "Loan Amount" and you will get a negative balance). To fix
this, just extend the formulas from E13:F13 to E12:F12.
I attached a spreadsheet with this minor fix and the correct spelling.
I like the references from the "Print" worksheet instead of
recalculating. Very good work!
** Attachment added: "new-payment-schedule.ods"
http://librarian.launchpad.net/7548966/new-payment-schedule.ods
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payment schedule
https://bugs.launchpad.net/bugs/72499
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