DAX

Dax Function: CUMIPMT

Q: What does CUMIPMT return in Power BI?

It returns the cumulative interest paid between specified start and end periods for a loan.

Q: What is the difference between CUMIPMT and IPMT?

CUMIPMT calculates total interest paid over a range of periods. IPMT calculates interest paid in a single period.

Q: Can CUMIPMT return positive values?

By default, it returns negative values (outflow of cash). Use ABS(CUMIPMT(...)) for positive values.

Q: What if the start period is greater than the end period?

The function returns an error. Ensure start_period ≤ end_period.

Category: Financial Functions

The CUMIPMT function in Power BI calculates the cumulative interest paid on a loan between two specific periods. It is useful for financial modeling, especially for analyzing loan amortization schedules.

Purpose

Determines total interest paid over a specific period within a loan term.
Helps in loan repayment analysis, financial planning, and debt management.

Type of Calculations

Computes the sum of interest payments across specified loan periods.
Uses compound interest principles to determine accrued interest.

Practical Use Cases

Loan Amortization Schedules: Analyze how interest is distributed across payments.
Debt Forecasting: Identify how much interest is paid in different periods.
Financial Dashboards: Track cumulative interest paid for business or personal loans.


CUMIPMT(rate, nper, pv, start_period, end_period, type)

Parameter	Type	Description
`rate`	Scalar (decimal)	The interest rate per period (e.g., monthly interest rate).
`nper`	Scalar (integer)	Total number of payment periods in the loan.
`pv`	Scalar (decimal)	The present value or principal amount of the loan.
`start_period`	Scalar (integer)	The first period in the range for which interest is calculated.
`end_period`	Scalar (integer)	The last period in the range for which interest is calculated.
`type`	Scalar (integer)	Determines when payments are made: `0` = End of the period (default) `1` = Beginning of the period

How Does Dax Function Works

The function calculates interest using the loan amortization formula, which considers:

Periodic interest rate = rate
Total number of periods = nper
Loan amount = pv
Start and end period range = start_period to end_period

The cumulative interest formula is derived from:

What Does It Return?

Returns a negative decimal number representing the total interest paid between the specified start and end periods.
The value is negative because it represents an outflow of funds.

When Should We Use It?

Use CUMIPMT when you need to:

Calculate total interest for specific loan repayment periods.
Compare interest costs across different loans.
Track loan repayment progress and create financial models.

Examples

Basic Usage :

Calculate total interest paid in the first 12 months for a 5-year loan of $100,000 at 5% annual interest, with monthly payments.


CUMIPMT(5%/12, 60, 100000, 1, 12, 0)

Returns: -4773.03 (Total interest paid in first year)

Column Usage:

Create a calculated column to track interest payments per year:


AnnualInterest =
CUMIPMT(
Loans[Rate]/12,
Loans[TotalMonths],
Loans[Principal],
Loans[StartMonth],
Loans[EndMonth],
0
)

Used in loan amortization tables.

Advanced Usage

Calculate total interest paid over the entire loan period:


TotalInterest =
CUMIPMT([Rate]/12, [TotalMonths], [Principal], 1, [TotalMonths], 0)

Equivalent to total interest expense in a loan amortization table.

Tips and Tricks

Convert annual interest rates into periodic rates (e.g., rate/12 for monthly).
Use ABS(CUMIPMT(...)) if you want positive interest values.
Returns negative values by default (since it’s an expense).
Ensure start_period ≤ end_period, otherwise, it throws an error.
Set type=1 if payments are made at the start of each period.

Performance Impact of CUMIPMT DAX Function:

Computationally efficient for loan schedules.
Best used with aggregated calculations for performance optimization.

Related Functions You Might Need

Function	Description
`CUMPRINC`	Returns cumulative principal paid over a specific period.
`PMT`	Calculates fixed loan payments (principal + interest).
`IPMT`	Computes interest paid on a single payment period.
`PPMT`	Calculates principal paid on a specific payment.

Want to Learn More?
For more information, check out the official Microsoft documentation for CUMIPMT You can also experiment with this function in your Power BI reports to explore its capabilities.

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1. What does CUMIPMT return in Power BI?

It returns the cumulative interest paid between specified start and end periods for a loan.

2. What is the difference between CUMIPMT and IPMT?

CUMIPMT calculates total interest paid over a range of periods.
IPMT calculates interest paid in a single period.

3. Can CUMIPMT return positive values?

By default, it returns negative values (outflow of cash). Use ABS(CUMIPMT(...)) for positive values.

4. What if the start period is greater than the end period?

The function returns an error. Ensure start_period ≤ end_period.

5. Is CUMIPMT available in Excel?

Yes. It functions similarly in Excel and Power BI.

Dax Function: COUPPCD

Dax Function: CUMPRINC