{"id":18254,"date":"2025-08-25T18:59:57","date_gmt":"2025-08-25T09:59:57","guid":{"rendered":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/?p=18254"},"modified":"2026-03-18T16:03:52","modified_gmt":"2026-03-18T07:03:52","slug":"ppmt%e9%96%a2%e6%95%b0%e3%81%ae%e4%bd%bf%e3%81%84%e6%96%b9%ef%bc%9a%e3%83%ad%e3%83%bc%e3%83%b3%e8%bf%94%e6%b8%88%e3%81%ae%e5%85%83%e6%9c%ac%e9%83%a8%e5%88%86%e3%82%92%e6%ad%a3%e7%a2%ba%e3%81%ab","status":"publish","type":"post","link":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/18254\/","title":{"rendered":"PPMT\u95a2\u6570\u306e\u4f7f\u3044\u65b9\uff1a\u30ed\u30fc\u30f3\u8fd4\u6e08\u306e\u5143\u672c\u90e8\u5206\u3092\u6b63\u78ba\u306b\u8a08\u7b97\u3059\u308b\u65b9\u6cd5"},"content":{"rendered":"<p>PPMT\u95a2\u6570\u306f\u3001\u30ed\u30fc\u30f3\u306e\u5b9a\u671f\u652f\u6255\u984d\u306e\u3046\u3061\u5143\u672c\u8fd4\u6e08\u90e8\u5206\u3092\u8a08\u7b97\u3059\u308b\u30a8\u30af\u30bb\u30eb\u306e\u8ca1\u52d9\u95a2\u6570\u3067\u3059\u3002\u4f4f\u5b85\u30ed\u30fc\u30f3\u3084\u4e8b\u696d\u878d\u8cc7\u306b\u304a\u3044\u3066\u3001\u5404\u56de\u306e\u8fd4\u6e08\u984d\u304c\u3069\u308c\u3060\u3051\u5143\u672c\u306e\u6e1b\u5c11\u306b\u5bc4\u4e0e\u3057\u3066\u3044\u308b\u304b\u3092\u628a\u63e1\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u5229\u606f\u3068\u5143\u672c\u306e\u5185\u8a33\u3092\u660e\u78ba\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u7e70\u4e0a\u8fd4\u6e08\u306e\u52b9\u679c\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3084\u7a0e\u52d9\u51e6\u7406\u3001\u8cc7\u91d1\u8a08\u753b\u306e\u7acb\u6848\u306a\u3069\u306b\u6d3b\u7528\u3067\u304d\u307e\u3059\u3002\u672c\u8a18\u4e8b\u3067\u306f\u3001PPMT\u95a2\u6570\u306e\u57fa\u672c\u7684\u306a\u4f7f\u3044\u65b9\u304b\u3089\u5b9f\u8df5\u7684\u306a\u6d3b\u7528\u6cd5\u3001\u4ed6\u306e\u8ca1\u52d9\u95a2\u6570\u3068\u306e\u7d44\u307f\u5408\u308f\u305b\u307e\u3067\u3001\u5177\u4f53\u4f8b\u3092\u4ea4\u3048\u3066\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<div id=\"post-below-intro\"><\/div><h2>PPMT\u95a2\u6570\u306e\u57fa\u672c\u7684\u306a\u4f7f\u3044\u65b9<\/h2>\n<h3>PPMT\u95a2\u6570\u3068\u306f<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>PPMT\u95a2\u6570\u306f\u300cPrincipal Payment\uff08\u5143\u672c\u652f\u6255\u3044\uff09\u300d\u306e\u7565\u3067\u3001\u5143\u5229\u5747\u7b49\u8fd4\u6e08\u65b9\u5f0f\u306e\u30ed\u30fc\u30f3\u306b\u304a\u3044\u3066\u3001\u6307\u5b9a\u3057\u305f\u671f\u306e\u652f\u6255\u984d\u306e\u3046\u3061\u5143\u672c\u8fd4\u6e08\u306b\u5145\u3066\u3089\u308c\u308b\u91d1\u984d\u3092\u8a08\u7b97\u3057\u307e\u3059\u3002<\/b><\/span>\u6bce\u56de\u306e\u8fd4\u6e08\u984d\u306f\u4e00\u5b9a\u3067\u3082\u3001\u305d\u306e\u5185\u8a33\u306f\u671f\u304c\u9032\u3080\u306b\u3064\u308c\u3066\u5909\u5316\u3057\u3001\u521d\u671f\u306f\u5229\u606f\u90e8\u5206\u304c\u591a\u304f\u3001\u5f8c\u671f\u306f\u5143\u672c\u90e8\u5206\u304c\u591a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u95a2\u6570\u3092\u4f7f\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u5168\u4f53\u3092\u901a\u3058\u3066\u3001\u3044\u3064\u3001\u3069\u308c\u3060\u3051\u306e\u5143\u672c\u304c\u6e1b\u5c11\u3059\u308b\u304b\u3092\u6b63\u78ba\u306b\u628a\u63e1\u3067\u304d\u307e\u3059\u3002IPMT\u95a2\u6570\uff08\u5229\u606f\u90e8\u5206\u306e\u8a08\u7b97\uff09\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u8fd4\u6e08\u306e\u5b8c\u5168\u306a\u5185\u8a33\u3092\u4f5c\u6210\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3>\u57fa\u672c\u69cb\u6587\u3068\u5f15\u6570\u306e\u8a73\u7d30<\/h3>\n<p><strong>PPMT\u95a2\u6570\u306e\u69cb\u6587\uff1a<\/strong><\/p>\n<p>=PPMT(\u5229\u7387, \u671f, \u671f\u9593, \u73fe\u5728\u4fa1\u5024, [\u5c06\u6765\u4fa1\u5024], [\u652f\u6255\u671f\u65e5])<\/p>\n<div class=\"summary-box\">\n<div class=\"summary-box__title\"><span class=\"summary-box__title_tag\"><strong>\u5404\u5f15\u6570\u306e\u8aac\u660e<\/strong><\/span><\/div>\n<ul class=\"summary-box__list summary-box__list\">\n<li><strong>\u5229\u7387<\/strong>\uff1a\u671f\u9593\u3042\u305f\u308a\u306e\u5229\u7387\uff08\u5e74\u5229\u3092\u6708\u5229\u306b\u5909\u63db\u3059\u308b\u5834\u5408\u306f12\u3067\u5272\u308b\uff09<\/li>\n<li><strong>\u671f<\/strong>\uff1a\u5143\u672c\u8fd4\u6e08\u984d\u3092\u6c42\u3081\u305f\u3044\u671f\uff081\u304b\u3089\u671f\u9593\u307e\u3067\u306e\u6570\u5024\uff09<\/li>\n<li><strong>\u671f\u9593<\/strong>\uff1a\u8fd4\u6e08\u306e\u7dcf\u671f\u9593\u6570<\/li>\n<li><strong>\u73fe\u5728\u4fa1\u5024<\/strong>\uff1a\u501f\u5165\u984d\uff08\u30ed\u30fc\u30f3\u306e\u5143\u672c\uff09<\/li>\n<li><strong>\u5c06\u6765\u4fa1\u5024<\/strong>\uff08\u7701\u7565\u53ef\u80fd\uff09\uff1a\u6700\u7d42\u7684\u306a\u6b8b\u9ad8\u3001\u7701\u7565\u6642\u306f0<\/li>\n<li><strong>\u652f\u6255\u671f\u65e5<\/strong>\uff08\u7701\u7565\u53ef\u80fd\uff09\uff1a0=\u671f\u672b\u6255\u3044\u30011=\u671f\u9996\u6255\u3044\u3001\u7701\u7565\u6642\u306f0<\/li>\n<\/ul>\n<\/div>\n<h3>\u57fa\u672c\u7684\u306a\u8a08\u7b97\u4f8b<\/h3>\n<h4>3000\u4e07\u5186\u306e\u4f4f\u5b85\u30ed\u30fc\u30f3\uff08\u91d1\u52292%\u300130\u5e74\u8fd4\u6e08\uff09\u306e\u8a08\u7b97\u4f8b<\/h4>\n<p><strong>\u7b2c1\u56de\u76ee\u306e\u5143\u672c\u8fd4\u6e08\u984d\uff1a<\/strong><\/p>\n<p>=PPMT(2%\/12, 1, 30*12, 30000000)<\/p>\n<p>\u7d50\u679c\uff1a\u7d04-61,179\u5186\uff08\u8ca0\u306e\u5024\u306f\u652f\u6255\u3044\u3092\u793a\u3059\uff09<\/p>\n<p><strong>\u7b2c120\u56de\u76ee\uff0810\u5e74\u76ee\uff09\u306e\u5143\u672c\u8fd4\u6e08\u984d\uff1a<\/strong><\/p>\n<p>=PPMT(2%\/12, 120, 30*12, 30000000)<\/p>\n<p>\u7d50\u679c\uff1a\u7d04-74,539\u5186<\/p>\n<p><strong>\u6700\u7d42\u56de\uff08\u7b2c360\u56de\uff09\u306e\u5143\u672c\u8fd4\u6e08\u984d\uff1a<\/strong><\/p>\n<p>=PPMT(2%\/12, 360, 30*12, 30000000)<\/p>\n<p>\u7d50\u679c\uff1a\u7d04-110,710\u5186<\/p>\n<h2>PPMT\u95a2\u6570\u306e\u5b9f\u8df5\u7684\u306a\u5229\u7528\u30b7\u30fc\u30f3<\/h2>\n<h3>\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u8fd4\u6e08\u8a08\u753b\u8868\u4f5c\u6210<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u8a73\u7d30\u306a\u8fd4\u6e08\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u3092\u4f5c\u6210\u3057\u3001\u5143\u672c\u306e\u6e1b\u5c11\u63a8\u79fb\u3092\u53ef\u8996\u5316\u3067\u304d\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>\u8fd4\u6e08\u8a08\u753b\u8868\u306e\u57fa\u672c\u69cb\u6210\uff1a<\/strong><\/p>\n<p>A\u5217\uff1a\u8fd4\u6e08\u56de\u6570\uff081\uff5e360\uff09<\/p>\n<p>B\u5217\uff1a\u8fd4\u6e08\u524d\u6b8b\u9ad8<\/p>\n<p>C\u5217\uff1a\u5143\u672c\u8fd4\u6e08\u984d =PPMT($B$1\/12, A2, $B$2*12, $B$3)<\/p>\n<p>D\u5217\uff1a\u5229\u606f\u652f\u6255\u984d =IPMT($B$1\/12, A2, $B$2*12, $B$3)<\/p>\n<p>E\u5217\uff1a\u8fd4\u6e08\u5f8c\u6b8b\u9ad8 =B2+C2<\/p>\n<p><strong>\u7d2f\u8a08\u5143\u672c\u8fd4\u6e08\u984d\u306e\u8a08\u7b97\uff1a<\/strong><\/p>\n<p>10\u5e74\u5f8c\u307e\u3067\u306e\u5143\u672c\u8fd4\u6e08\u984d: =SUM(PPMT($B$1\/12, ROW(1:120), $B$2*12, $B$3))<\/p>\n<p><strong>\u5143\u672c\u8fd4\u6e08\u30da\u30fc\u30b9\u306e\u5206\u6790\uff1a<\/strong><\/p>\n<p>\u524d\u534a15\u5e74\u306e\u5143\u672c\u8fd4\u6e08\u7387: =ABS(\u524d\u534a\u5143\u672c\u8fd4\u6e08\u984d\u5408\u8a08\/\u501f\u5165\u984d)*100<\/p>\n<p>\u5f8c\u534a15\u5e74\u306e\u5143\u672c\u8fd4\u6e08\u7387: =ABS(\u5f8c\u534a\u5143\u672c\u8fd4\u6e08\u984d\u5408\u8a08\/\u501f\u5165\u984d)*100<\/p>\n<h3>\u7e70\u4e0a\u8fd4\u6e08\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u7e70\u4e0a\u8fd4\u6e08\u306b\u3088\u308b\u5229\u606f\u524a\u6e1b\u52b9\u679c\u3092\u8a08\u7b97\u3067\u304d\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>5\u5e74\u5f8c\u306b100\u4e07\u5186\u7e70\u4e0a\u8fd4\u6e08\u3059\u308b\u5834\u5408\uff1a<\/strong><\/p>\n<p>\u901a\u5e38\u306e5\u5e74\u5f8c\u6b8b\u9ad8: =\u501f\u5165\u984d+SUM(PPMT(\u5229\u7387\/12, ROW(1:60), \u671f\u9593*12, \u501f\u5165\u984d))<\/p>\n<p>\u7e70\u4e0a\u5f8c\u306e\u6b8b\u9ad8: =\u901a\u5e38\u306e5\u5e74\u5f8c\u6b8b\u9ad8+1000000<\/p>\n<p>\u65b0\u671f\u9593: =NPER(\u5229\u7387\/12, PMT\u984d, -\u7e70\u4e0a\u5f8c\u306e\u6b8b\u9ad8)<\/p>\n<p>\u5229\u606f\u524a\u6e1b\u984d: =(\u901a\u5e38\u7dcf\u8fd4\u6e08\u984d-\u7e70\u4e0a\u5f8c\u7dcf\u8fd4\u6e08\u984d)<\/p>\n<p><strong>\u6700\u9069\u306a\u7e70\u4e0a\u8fd4\u6e08\u6642\u671f\u306e\u691c\u8a0e\uff1a<\/strong><\/p>\n<p>\u5404\u5e74\u3067\u306e\u7e70\u4e0a\u8fd4\u6e08\u52b9\u679c\u3092\u6bd4\u8f03<\/p>\n<p>=\u5229\u606f\u524a\u6e1b\u984d\/\u7e70\u4e0a\u8fd4\u6e08\u984d\uff08\u52b9\u7387\u6027\u306e\u6307\u6a19\uff09<\/p>\n<h3>\u4e8b\u696d\u878d\u8cc7\u306e\u8cc7\u91d1\u8a08\u753b<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u8a2d\u5099\u6295\u8cc7\u30ed\u30fc\u30f3\u306e\u5143\u672c\u8fd4\u6e08\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u3092\u7ba1\u7406\u3057\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8a08\u753b\u3078\u306e\u7d44\u307f\u8fbc\u307f\uff1a<\/strong><\/p>\n<p>\u5e74\u9593\u5143\u672c\u8fd4\u6e08\u984d: =SUM(PPMT(\u5229\u7387\/12, ROW(\u958b\u59cb:\u7d42\u4e86), \u7dcf\u671f\u9593, \u501f\u5165\u984d))<\/p>\n<p>\u55b6\u696dCF &#8211; \u5143\u672c\u8fd4\u6e08\u984d = \u30d5\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc<\/p>\n<p><strong>\u8907\u6570\u30ed\u30fc\u30f3\u306e\u7d71\u5408\u7ba1\u7406\uff1a<\/strong><\/p>\n<p>\u30ed\u30fc\u30f3A\u5143\u672c: =PPMT(\u5229\u7387A\/12, \u671f, \u671f\u9593A*12, \u501f\u5165\u984dA)<\/p>\n<p>\u30ed\u30fc\u30f3B\u5143\u672c: =PPMT(\u5229\u7387B\/12, \u671f, \u671f\u9593B*12, \u501f\u5165\u984dB)<\/p>\n<p>\u6708\u6b21\u5143\u672c\u8fd4\u6e08\u5408\u8a08: 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title=\"\u501f\u5165\u91d1\">\u501f\u5165\u91d1<\/a>\u6b8b\u9ad8\u306e\u78ba\u8a8d\uff1a<\/strong><\/p>\n<p>\u671f\u672b\u501f\u5165\u91d1\u6b8b\u9ad8: =\u501f\u5165\u984d+SUM(PPMT(\u5229\u7387\/12, ROW(1:\u7d4c\u904e\u6708\u6570), \u7dcf\u671f\u9593, \u501f\u5165\u984d))<\/p>\n<h2>PPMT\u95a2\u6570\u306e\u5fdc\u7528\u30fb\u4ed6\u95a2\u6570\u3068\u306e\u7d44\u307f\u5408\u308f\u305b<\/h2>\n<h3>\u8fd4\u6e08\u6761\u4ef6\u306e\u6bd4\u8f03\u5206\u6790<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u7570\u306a\u308b\u6761\u4ef6\u3067\u306e\u30ed\u30fc\u30f3\u3092\u6bd4\u8f03\u691c\u8a0e\u3057\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>\u91d1\u5229\u5dee\u306b\u3088\u308b\u5143\u672c\u8fd4\u6e08\u30da\u30fc\u30b9\u306e\u9055\u3044\uff1a<\/strong><\/p>\n<p>\u91d1\u52291.5%: =PPMT(1.5%\/12, \u671f, 360, 30000000)<\/p>\n<p>\u91d1\u52292.0%: =PPMT(2.0%\/12, \u671f, 360, 30000000)<\/p>\n<p>\u5dee\u984d: 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