{"id":841,"date":"2026-01-06T00:49:10","date_gmt":"2026-01-05T15:49:10","guid":{"rendered":"https:\/\/hajidai.com\/excel\/2026\/01\/excel%e4%b8%ad%e7%b4%9a%e8%80%85%e3%81%8c%e8%bf%94%e6%b8%88%e8%a8%88%e7%94%bb%e3%82%925%e5%88%86%e3%81%a7%e5%ae%8c%e6%88%90%e3%81%95%e3%81%9b%e3%82%8b%ef%bc%9anper%e3%83%bbrate%e9%96%a2%e6%95%b0\/"},"modified":"2026-01-06T00:49:10","modified_gmt":"2026-01-05T15:49:10","slug":"excel%e4%b8%ad%e7%b4%9a%e8%80%85%e3%81%8c%e8%bf%94%e6%b8%88%e8%a8%88%e7%94%bb%e3%82%925%e5%88%86%e3%81%a7%e5%ae%8c%e6%88%90%e3%81%95%e3%81%9b%e3%82%8b%ef%bc%9anper%e3%83%bbrate%e9%96%a2%e6%95%b0","status":"publish","type":"post","link":"https:\/\/hajidai.com\/excel\/2026\/01\/excel%e4%b8%ad%e7%b4%9a%e8%80%85%e3%81%8c%e8%bf%94%e6%b8%88%e8%a8%88%e7%94%bb%e3%82%925%e5%88%86%e3%81%a7%e5%ae%8c%e6%88%90%e3%81%95%e3%81%9b%e3%82%8b%ef%bc%9anper%e3%83%bbrate%e9%96%a2%e6%95%b0\/","title":{"rendered":"# Excel\u4e2d\u7d1a\u8005\u304c\u8fd4\u6e08\u8a08\u753b\u30925\u5206\u3067\u5b8c\u6210\u3055\u305b\u308b\uff1aNPER\u30fbRATE\u95a2\u6570\u306e\u5b9f\u8df5\u6d3b\u7528\u6cd5"},"content":{"rendered":"

# Excel\u4e2d\u7d1a\u8005\u304c\u6975\u3081\u308bNPER\u3001RATE\u95a2\u6570\u306b\u3088\u308b\u8fd4\u6e08\u8a08\u753b\u5206\u6790<\/p>\n

## \u3059\u3050\u306b\u8a66\u305b\u308b\u5177\u4f53\u7684\u306a\u95a2\u6570\u3068\u6d3b\u7528\u6cd5<\/p>\n

Excel\u4e2d\u7d1a\u8005\u304c\u696d\u52d9\u3092\u52b9\u7387\u5316\u3059\u308b\u306a\u3089\u3001\u307e\u305a**PMT\u95a2\u6570\u3068NPER\u95a2\u6570\u306e\u7d44\u307f\u5408\u308f\u305b**\u3092\u7fd2\u5f97\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u4f8b\u3048\u3070\u3001\u30ed\u30fc\u30f3\u8fd4\u6e08\u984d\u3092\u8a08\u7b97\u3059\u308b\u5834\u5408\uff1a<\/p>\n

“`
\n=PMT(\u91d1\u5229\/12, \u8fd4\u6e08\u6708\u6570, -\u501f\u5165\u984d)
\n“`<\/p>\n

\u3053\u306e\u57fa\u672c\u5f62\u306b**NPER\u95a2\u6570**\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3068\u3001\u300c\u6708\u30055\u4e07\u5186\u3067\u8fd4\u6e08\u3057\u305f\u5834\u5408\u3001\u4f55\u30f6\u6708\u304b\u304b\u308b\u304b\u300d\u304c\u5373\u5ea7\u306b\u7b97\u51fa\u3067\u304d\u307e\u3059\uff1a<\/p>\n

“`
\n=NPER(\u6708\u5229\u7387, -\u6708\u3005\u306e\u8fd4\u6e08\u984d, \u501f\u5165\u984d)
\n“`<\/p>\n

\u3055\u3089\u306b**RATE\u95a2\u6570**\u3092\u4f7f\u3048\u3070\u3001\u300c\u3053\u306e\u6761\u4ef6\u306a\u3089\u5b9f\u8cea\u91d1\u5229\u306f\u4f55%\u304b\u300d\u3082\u8a08\u7b97\u53ef\u80fd\u3002\u3053\u308c\u30893\u3064\u306e\u95a2\u6570\u95a2\u6570\u3092\u4f7f\u3044\u3053\u306a\u3059\u3060\u3051\u3067\u3001\u8907\u96d1\u306a\u8fd4\u6e08\u8a08\u753b\u304c5\u5206\u3067\u5b8c\u6210\u3057\u307e\u3059\u3002<\/p>\n

## \u30dd\u30a4\u30f3\u30c81\uff1aNPER\u95a2\u6570\u3067\u8fd4\u6e08\u671f\u9593\u3092\u9006\u7b97\u3059\u308b\u529b<\/p>\n

\u591a\u304f\u306eExcel\u521d\u7d1a\u8005\u306f\u300c\u91d1\u5229\u3068\u8fd4\u6e08\u984d\u304b\u3089\u6708\u6570\u3092\u6c42\u3081\u308b\u300d\u3068\u3044\u3046\u767a\u60f3\u3059\u3089\u6301\u3061\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u4e2d\u7d1a\u8005\u306a\u3089\u3001NPER\u95a2\u6570\u3092\u6d3b\u7528\u3057\u3066\u8fd4\u6e08\u8a08\u753b\u5168\u4f53\u3092\u67d4\u8edf\u306b\u8a2d\u8a08\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u4f8b\u3048\u3070\u3001\u55b6\u696d\u90e8\u304c\u300c\u6708\u300510\u4e07\u5186\u8fd4\u6e08\u3067\u304d\u308b\u5834\u5408\u306e\u8fd4\u6e08\u671f\u9593\u300d\u3092\u77e5\u308a\u305f\u3044\u5834\u5408\u3001\u5f93\u6765\u306f\u624b\u8a08\u7b97\u3084\u8907\u96d1\u306a\u9006\u7b97\u3092\u3057\u3066\u3044\u305f\u306f\u305a\u3067\u3059\u3002NPER\u95a2\u6570\u306a\u3089\u4e00\u767a\u3067\u3059\u3002<\/p>\n

“`
\n=NPER(\u5e74\u522912%\/12, -100000, 5000000)
\n“`<\/p>\n

\u3053\u306e\u3088\u3046\u306b\u8a18\u8ff0\u3059\u308c\u3070\u3001500\u4e07\u5186\u3092\u6708\u52291%\u3067\u6708\u300510\u4e07\u5186\u8fd4\u6e08\u3057\u305f\u5834\u5408\u306e\u6708\u6570\u304c\u81ea\u52d5\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002\u91cd\u8981\u306a\u306e\u306f\u3001**\u8ca0\u306e\u5024\u3092\u3069\u3053\u306b\u914d\u7f6e\u3059\u308b\u304b**\u3068\u3044\u3046\u7b26\u53f7\u30eb\u30fc\u30eb\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u3067\u3059\u3002Excel\u306e\u91d1\u878d\u95a2\u6570\u95a2\u6570\u3067\u306f\u3001\u73fe\u91d1\u306e\u6d41\u51fa\u3092\u8ca0\u3001\u6d41\u5165\u3092\u6b63\u3067\u8868\u3059\u305f\u3081\u3001\u8fd4\u6e08\u984d\u306f\u8ca0\u306e\u5024\u306b\u3057\u307e\u3059\u3002\u3053\u306e\u7406\u89e3\u304c\u3001\u3088\u308a\u9ad8\u5ea6\u306a\u5206\u6790\u3078\u306e\u5165\u308a\u53e3\u306b\u306a\u308b\u306e\u3067\u3059\u3002<\/p>\n

## \u30dd\u30a4\u30f3\u30c82\uff1aRATE\u95a2\u6570\u3067\u5b9f\u8cea\u91d1\u5229\u3092\u898b\u3048\u308b\u5316\u3059\u308b<\/p>\n

\u8907\u6570\u306e\u30ed\u30fc\u30f3\u5546\u54c1\u3084\u30ea\u30fc\u30b9\u5951\u7d04\u3092\u6bd4\u8f03\u3059\u308b\u3068\u304d\u3001\u8868\u9762\u91d1\u5229\u3060\u3051\u3067\u306f\u5224\u65ad\u3067\u304d\u307e\u305b\u3093\u3002\u3053\u3053\u3067**RATE\u95a2\u6570**\u306e\u51fa\u756a\u3067\u3059\u3002<\/p>\n

\u521d\u5fc3\u8005\u306e\u591a\u304f\u306f\u300c\u91d1\u5229\u306f\u5546\u54c1\u8aac\u660e\u306b\u66f8\u3044\u3066\u3042\u308b\u3082\u306e\u300d\u3068\u601d\u3044\u8fbc\u307f\u307e\u3059\u304c\u3001\u5b9f\u52d9\u3067\u306f\u624b\u6570\u6599\u3084\u4fdd\u967a\u6599\u3092\u542b\u3081\u305f**\u5b9f\u8cea\u91d1\u5229**\u3092\u8a08\u7b97\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

“`
\n=RATE(\u8fd4\u6e08\u6708\u6570, -\u6708\u3005\u8fd4\u6e08\u984d, \u501f\u5165\u984d) * 12
\n“`<\/p>\n

\u3053\u306e\u95a2\u6570\u95a2\u6570\u3092\u4f7f\u3046\u3053\u3068\u3067\u3001\u96a0\u308c\u305f\u30b3\u30b9\u30c8\u307e\u3067\u542b\u3081\u305f\u771f\u306e\u91d1\u5229\u304c\u898b\u3048\u307e\u3059\u3002\u55b6\u696d\u304c\u63d0\u793a\u3057\u305f\u6761\u4ef6\u3068\u3001\u9867\u5ba2\u304c\u5b9f\u611f\u3059\u308b\u8ca0\u62c5\u306e\u30ae\u30e3\u30c3\u30d7\u3092\u6570\u5024\u5316\u3067\u304d\u308b\u5f37\u529b\u306a\u30c4\u30fc\u30eb\u306b\u306a\u308b\u306e\u3067\u3059\u3002<\/p>\n

## \u30dd\u30a4\u30f3\u30c83\uff1a\u8fd4\u6e08\u8a08\u753b\u8868\u3092\u52d5\u7684\u306b\u69cb\u7bc9\u3059\u308b\u5b9f\u8df5\u30c6\u30af\u30cb\u30c3\u30af<\/p>\n

NPER\u3001RATE\u3001PMT\u95a2\u6570\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3068\u3001**\u5b8c\u5168\u81ea\u52d5\u5316\u3055\u308c\u305f\u8fd4\u6e08\u8a08\u753b\u8868**\u304c\u5b8c\u6210\u3057\u307e\u3059\u3002<\/p>\n

\u4f8b\u3048\u3070\u3001\u4e0b\u8a18\u306e\u3088\u3046\u306a\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8\u3092\u4f5c\u6210\u3057\u307e\u3059\uff1a<\/p>\n

| \u9805\u76ee | \u91d1\u984d |
\n|——|——|
\n| \u501f\u5165\u984d | $A$1 |
\n| \u5e74\u5229 | $A$2 |
\n| \u6708\u3005\u8fd4\u6e08\u984d | $A$3 |
\n| **\u8a08\u7b97\u7d50\u679c** | |
\n| \u8fd4\u6e08\u6708\u6570 | =NPER($A$2\/12,-$A$3,$A$1) |
\n| \u5b9f\u8cea\u91d1\u5229 | =RATE(\u8a08\u7b97\u7d50\u679c,-$A$3,$A$1)*12 |
\n| \u7dcf\u8fd4\u6e08\u984d | =NPER(…)\u00d7\u6708\u3005\u8fd4\u6e08\u984d |<\/p>\n

\u4e2d\u7d1a\u8005\u3068\u4e0a\u7d1a\u8005\u306e\u9055\u3044\u306f\u3001\u3053\u3046\u3057\u305f\u300c\u5909\u52d5\u8981\u7d20\u3092\u30bb\u30eb\u53c2\u7167\u5316\u300d\u3067\u304d\u308b\u304b\u3069\u3046\u304b\u3067\u3059\u3002\u4e00\u5ea6\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8\u3092\u5b8c\u6210\u3055\u305b\u308c\u3070\u3001\u55b6\u696d\u304b\u3089\u300c\u3053\u306e\u6761\u4ef6\u306a\u3089\uff1f\u300d\u3068\u805e\u304b\u308c\u3066\u3082\u3001\u6570\u5b57\u3092\u5165\u308c\u308b\u3060\u3051\u3067\u77ac\u6642\u306b\u56de\u7b54\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u5b9f\u306f\u3001\u591a\u304f\u306eExcel\u4e2d\u7d1a\u8005\u306f\u500b\u5225\u8a08\u7b97\u306b\u6e80\u8db3\u3057\u3066\u3001\u6c4e\u7528\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8\u5316\u306e\u4e00\u6b69\u304c\u8e0f\u307f\u51fa\u305b\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u8fd4\u6e08\u8a08\u753b\u5206\u6790\u306f\u67081\u56de\u306f\u5fc5\u305a\u767a\u751f\u3059\u308b\u696d\u52d9\u3067\u3059\u3002\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8\u5316\u306e\u6295\u8cc7\u306f\u78ba\u5b9f\u306b\u8fd4\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n

NPER\u95a2\u6570\u95a2\u6570\u3068RATE\u95a2\u6570\u3092\u6975\u3081\u308b\u3053\u3068\u3067\u3001\u3042\u306a\u305f\u306e\u300c\u5224\u65ad\u306e\u901f\u5ea6\u300d\u304c\u5287\u7684\u306b\u5411\u4e0a\u3059\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

# Excel\u4e2d\u7d1a\u8005\u304c\u6975\u3081\u308bNPER\u3001RATE\u95a2\u6570\u306b\u3088\u308b\u8fd4\u6e08\u8a08\u753b\u5206\u6790 ## \u3059\u3050\u306b\u8a66\u305b\u308b\u5177\u4f53\u7684\u306a\u95a2\u6570\u3068\u6d3b\u7528\u6cd5 Excel\u4e2d\u7d1a\u8005\u304c\u696d\u52d9\u3092\u52b9\u7387\u5316\u3059\u308b\u306a\u3089\u3001\u307e\u305a**PMT\u95a2\u6570\u3068NPER\u95a2\u6570\u306e\u7d44\u307f\u5408\u308f\u305b**\u3092\u7fd2\u5f97\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u4f8b<\/p>\n","protected":false},"author":2,"featured_media":840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-intermediate"],"_links":{"self":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts\/841","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/comments?post=841"}],"version-history":[{"count":0,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts\/841\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/media\/840"}],"wp:attachment":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/media?parent=841"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/categories?post=841"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/tags?post=841"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}