{"id":52704,"date":"2025-03-18T09:00:00","date_gmt":"2025-03-18T08:00:00","guid":{"rendered":"https:\/\/blog.sheetgo.com\/?p=52704"},"modified":"2025-06-03T21:58:24","modified_gmt":"2025-06-03T19:58:24","slug":"comment-trouver-le-taux-dinteret-nominal-a-laide-de-google-sheets","status":"publish","type":"post","link":"https:\/\/www.sheetgo.com\/fr\/blog\/google-sheets-formulas\/how-to-find-nominal-interest-rate-using-google-sheets\/","title":{"rendered":"Comment calculer le taux d'int\u00e9r\u00eat nominal \u00e0 l'aide de Google Sheets ?"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<p><span style=\"font-weight: 400;\">Sarah is a young professional making significant financial decisions. From credit cards to mortgages, student loans, and investment accounts, she uses Google Sheets to understand nominal and effective interest rates. This guide follows Sarah\u2019s journey as she uses the NOMINAL function in Google Sheets to make informed financial choices.<\/span><\/p>\n<h2><b>Setting up your financial toolkit<\/b><\/h2>\n<p><b>Sarah organizes her Google Sheets with these columns:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A<\/b><span style=\"font-weight: 400;\">: Description<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>B<\/b><span style=\"font-weight: 400;\">: Effective rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>C<\/b><span style=\"font-weight: 400;\">: Compounding periods per year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>D<\/b><span style=\"font-weight: 400;\">: Nominal rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>E<\/b><span style=\"font-weight: 400;\">: Result<\/span><\/li>\n<\/ul>\n<h2><b>Step 1: Understanding her credit card<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sarah evaluates a credit card with a 22% effective annual rate, compounded monthly. She calculates the nominal rate to understand her monthly charges.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Description<\/b><\/td>\n<td><b>Effective rate<\/b><\/td>\n<td><b>Compounding periods\/year<\/b><\/td>\n<td><b>Nominal rate<\/b><\/td>\n<td><b>Result<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">22%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">=NOMINAL(B2, C2)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20.24%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b><\/b><\/h2>\n<h2><b>Insight:<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Credit cards often advertise effective annual rates, but the monthly compounding can make actual interest calculations confusing. By calculating the nominal rate (20.24%), Sarah sees that the monthly rate applied to her balance is slightly lower than the advertised 22%. This clarity allows her to better estimate how much interest she&#8217;ll accrue on her outstanding balances each month.<\/span><\/p>\n<h2><b>Step 2: Deciphering mortgage offers<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sarah compares a mortgage with a 3.75% effective annual rate, compounded semi-annually.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Description<\/b><\/td>\n<td><b>Effective rate<\/b><\/td>\n<td><b>Compounding periods\/year<\/b><\/td>\n<td><b>Nominal rate<\/b><\/td>\n<td><b>Result<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mortgage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">=NOMINAL(B3, C3)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.70%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Insight:<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When comparing mortgage rates, understanding the nominal rate (3.70%) helps Sarah see what the lender actually applies per compounding period. Mortgages with semi-annual compounding mean the interest is applied twice a year, and the nominal rate gives her a clearer idea of the real cost of borrowing. This makes comparing loans from different lenders easier, even if their effective annual rates differ.<\/span><\/p>\n<h2><b>Step 3: Evaluating student loans<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sarah considers a student loan with a 5.5% effective annual rate, compounded monthly.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Description<\/b><\/td>\n<td><b>Effective rate<\/b><\/td>\n<td><b>Compounding periods\/year<\/b><\/td>\n<td><b>Nominal rate<\/b><\/td>\n<td><b>Result<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Student loan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12<\/span><\/td>\n<td><span style=\"font-weight: 400;\">=NOMINAL(B4, C4)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.12%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Insight:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For student loans, monthly compounding means that the interest is applied 12 times per year. By calculating the nominal rate (5.12%), Sarah sees that the monthly rate is slightly lower than the effective annual rate. This understanding helps her evaluate the affordability of her potential loan payments and plan a repayment strategy that fits her budget.<\/span><\/p>\n<h2><b>Step 4: Making sense of investment accounts<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Sarah reviews an investment account with a 7% effective annual rate, compounded quarterly.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Description<\/b><\/td>\n<td><b>Effective rate<\/b><\/td>\n<td><b>Compounding periods\/year<\/b><\/td>\n<td><b>Nominal rate<\/b><\/td>\n<td><b>Result<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Investment account<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">=NOMINAL(B5, C5)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.83%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Insight:<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Investment accounts often compound interest quarterly, meaning returns are calculated four times per year. By using the nominal rate (6.83%), Sarah can compare this account to others with different compounding schedules. This insight helps her evaluate whether the quarterly returns align with her financial goals and assess the true growth potential of her investment.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">By using the <\/span><span style=\"font-weight: 400;\">NOMINAL<\/span><span style=\"font-weight: 400;\"> function in Google Sheets, Sarah simplifies complex financial decisions. Calculating nominal rates empowers her to make informed choices about loans, credit cards, and investments. With a clearer understanding of her options, Sarah feels confident managing her finances and reaching her goals.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Sarah is a young professional making significant financial decisions. From credit cards to mortgages, student loans, and investment accounts, she uses Google Sheets to understand nominal and effective interest rates. This guide follows Sarah\u2019s journey as she uses the NOMINAL function in Google Sheets to make informed financial choices. Setting up your financial toolkit Sarah [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":44470,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[54],"tags":[],"class_list":["post-52704","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-google-sheets-formulas"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/posts\/52704","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/comments?post=52704"}],"version-history":[{"count":0,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/posts\/52704\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/media\/44470"}],"wp:attachment":[{"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/media?parent=52704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/categories?post=52704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sheetgo.com\/fr\/wp-json\/wp\/v2\/tags?post=52704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}