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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