{"id":10590,"date":"2025-07-15T13:34:50","date_gmt":"2025-07-15T13:34:50","guid":{"rendered":"https:\/\/functiontranslator.com\/ppmt\/"},"modified":"2021-02-26T05:23:30","modified_gmt":"2021-02-26T05:23:30","slug":"ppmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pl\/ppmt\/","title":{"rendered":"PPMT"},"content":{"rendered":"

Funkcja PPMT<\/strong> w Microsoft Excel i Google Sheets pozwala obliczy\u0107 warto\u015b\u0107 kapita\u0142u sp\u0142acanego w poszczeg\u00f3lnych ratach d\u0142ugoterminowego finansowania. Jest ona niezwykle przydatna przy obliczaniu rat dla kredyt\u00f3w hipotecznych, samochodowych czy inwestycyjnych, gdy p\u0142atno\u015bci s\u0105 rozk\u0142adane na d\u0142u\u017cszy okres.<\/p>\n

Syntaktyka funkcji<\/h2>\n

Funkcja PPMT<\/code> ma nast\u0119puj\u0105c\u0105 sk\u0142adni\u0119:<\/p>\n

=PPMT(stopa_procentowa, numer_raty, liczba_rat, kwota_po\u017cyczki)<\/code><\/pre>\n
    \n
  • stopa_procentowa<\/strong> \u2013 Stopa procentowa kredytu na dany okres rozliczeniowy.<\/li>\n
  • numer_raty<\/strong> \u2013 Numer raty, dla kt\u00f3rej obliczamy sp\u0142at\u0119 kapita\u0142ow\u0105.<\/li>\n
  • liczba_rat<\/strong> \u2013 Ca\u0142kowita liczba rat, na jakie zosta\u0142a roz\u0142o\u017cona po\u017cyczka.<\/li>\n
  • kwota_po\u017cyczki<\/strong> \u2013 Warto\u015b\u0107 kredytu lub po\u017cyczki.<\/li>\n<\/ul>\n
    Nale\u017cy pami\u0119ta\u0107, \u017ce stopa procentowa powinna by\u0107 podana jako u\u0142amek (na przyk\u0142ad, dla 5% nale\u017cy wprowadzi\u0107 0,05) i dotyczy jednego okresu sp\u0142aty (np. jednego miesi\u0105ca).<\/p>\n
    Przyk\u0142ady praktycznego zastosowania<\/h2>\n
    Pierwszy scenariusz: Obliczanie rat dla po\u017cyczki<\/h2>\n
    Za\u0142\u00f3\u017cmy, \u017ce chcemy obliczy\u0107 warto\u015b\u0107 kapita\u0142u w ka\u017cdej z 12 miesi\u0119cznych rat dla po\u017cyczki o wysoko\u015bci 5000 z\u0142 przy rocznej stopie procentowej 6%.<\/p>\n\n\n\n\n\n
    Miesi\u0105c<\/th>\nWarto\u015b\u0107 kapita\u0142u<\/th>\n<\/tr>\n
    1<\/td>\n=PPMT(0.06\/12, 1, 12, 5000)<\/code><\/td>\n<\/tr>\n
    2<\/td>\n=PPMT(0.06\/12, 2, 12, 5000)<\/code><\/td>\n<\/tr>\n
    3<\/td>\n=PPMT(0.06\/12, 3, 12, 5000)<\/code><\/td>\n<\/tr>\n<\/table>\n
    Kontynuuj\u0105c ten schemat, mo\u017cna obliczy\u0107 warto\u015b\u0107 kapita\u0142u dla ka\u017cdej kolejnej raty, uwzgl\u0119dniaj\u0105c zmieniaj\u0105ce si\u0119 salda g\u0142\u00f3wne i naliczone odsetki.<\/p>\n
    Drugi scenariusz: Por\u00f3wnanie dw\u00f3ch opcji finansowania<\/h2>\n
    Przyjrzyjmy si\u0119 sytuacji, w kt\u00f3rej mamy dwie oferty kredytowe na zakup samochodu, r\u00f3\u017cni\u0105ce si\u0119 stop\u0105 procentow\u0105 i okresem kredytowania:<\/p>\n
      \n
    • Po\u017cyczka A: 20000 z\u0142, stopa 5% rocznie, na 3 lata<\/li>\n
    • Po\u017cyczka B: 20000 z\u0142, stopa 4.5% rocznie, na 4 lata<\/li>\n<\/ul>\n
      Chcemy por\u00f3wna\u0107 wysoko\u015b\u0107 rat kapita\u0142owych w pierwszym roku dla obu po\u017cyczek:<\/p>\n\n\n\n\n
      Miesi\u0105c<\/th>\nPo\u017cyczka A<\/th>\nPo\u017cyczka B<\/th>\n<\/tr>\n
      1<\/td>\n=PPMT(0.05\/12, 1, 36, 20000)<\/code><\/td>\n=PPMT(0.045\/12, 1, 48, 20000)<\/code><\/td>\n<\/tr>\n
      2<\/td>\n=PPMT(0.05\/12, 2, 36, 20000)<\/code><\/td>\n=PPMT(0.045\/12, 2, 48, 20000)<\/code><\/td>\n<\/tr>\n<\/table>\n
      Analizuj\u0105c te obliczenia, mo\u017cemy dok\u0142adnie oceni\u0107 r\u00f3\u017cnice w sp\u0142atach kapita\u0142owych pomi\u0119dzy obiema opcjami, by wybra\u0107 najbardziej korzystne rozwi\u0105zanie finansowe.<\/p>\n","protected":false},"excerpt":{"rendered":"
      Zwraca wysoko\u015b\u0107 sp\u0142aty kapita\u0142u w przypadku inwestycji dla danego okresu<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[424],"tags":[],"class_list":["post-10590","post","type-post","status-publish","format-standard","hentry","category-finansowe"],"acf":[],"yoast_head":"\nFunkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia<\/title>\n<meta name=\"description\" content=\"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/pl\/ppmt\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia\" \/>\n<meta property=\"og:description\" content=\"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/pl\/ppmt\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-26T05:23:30+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/pl\/ppmt\/\",\"url\":\"https:\/\/functiontranslator.com\/pl\/ppmt\/\",\"name\":\"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:50+00:00\",\"dateModified\":\"2021-02-26T05:23:30+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/pl\/ppmt\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/pl\/ppmt\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/pl\/ppmt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Funkcje programu Excel\",\"item\":\"https:\/\/functiontranslator.com\/pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finansowe\",\"item\":\"https:\/\/functiontranslator.com\/pl\/finansowe\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"PPMT\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/pl\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia","description":"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/functiontranslator.com\/pl\/ppmt\/","og_locale":"pl_PL","og_type":"article","og_title":"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia","og_description":"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.","og_url":"https:\/\/functiontranslator.com\/pl\/ppmt\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:50+00:00","article_modified_time":"2021-02-26T05:23:30+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia","twitter_misc":{"Napisane przez":"glavadmin","Szacowany czas czytania":"2 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/pl\/ppmt\/","url":"https:\/\/functiontranslator.com\/pl\/ppmt\/","name":"Funkcja PPMT w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:50+00:00","dateModified":"2021-02-26T05:23:30+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Opis funkcji PPMT w Excelu. Poznaj sk\u0142adni\u0119, parametry oraz praktyczne przyk\u0142ady zastosowania.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/pl\/ppmt\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/pl\/ppmt\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/pl\/ppmt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Funkcje programu Excel","item":"https:\/\/functiontranslator.com\/pl\/"},{"@type":"ListItem","position":2,"name":"Finansowe","item":"https:\/\/functiontranslator.com\/pl\/finansowe\/"},{"@type":"ListItem","position":3,"name":"PPMT"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/pl\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/posts\/10590","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/comments?post=10590"}],"version-history":[{"count":2,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/posts\/10590\/revisions"}],"predecessor-version":[{"id":27904,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/posts\/10590\/revisions\/27904"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/media?parent=10590"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/categories?post=10590"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/pl\/wp-json\/wp\/v2\/tags?post=10590"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}