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..