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Find out how long it will take to pay off a personal loan. Imagine that you have a $2,500 personal loan, and have agreed to pay $150 a month at 3% annual interest. Using the function NPER(rate,PMT,PV) =NPER(3%/12,-150,2500) it would take 17 months and some days to pay off the loan. The rate argument is 3%/12 monthly payments per ;· Figure 1: Use Excel’s NPER function to calculate the payment term for a loan. For longer term loans, NPER may return a large number of months, such as 94, which can be difficult to convert to months in your head. Let’s extend our calculations to make the output more ;· For example, a 30-year mortgage paid monthly will have a total of 360 payments (30 years x 12 months), so you can enter "30 12", "360", or the corresponding cell (in this case, C4) 12. If you wanted to calculate a five-year loan that's paid back monthly, you …In the first period column, enter "1" as the first perio

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