name array qn

I have downloaded a template from windows online which has to do with amortization of loans.
my question is:

that there are columns for date, start balance, interest, ending balance, principal,etc.

so, every column has the same(!) function ...so, how does excel now from which row of the array to look at and make the calculations???????????

let me include the simplest function i found:


=IF(Pay_Number<>"";Total_Pay-Int;"")

so this calculates the principal by making a simple subtraction..

They are likely named data ranges... Go to Insert / Name / Define. There should be a list of these names and their corresponding cells/formulas. That will likely shed some light on the spreadsheet.

sure i have found the defined names... but i cannot see one,or i don t have a clue of how it would look like..a function making a list as it goes!! it s an amortization loan basically