1. Open the WPS form, create a new blank form, and enter "number of periods", "principal", "interest", and "monthly payment" in A1, B1, C1, and D1 respectively.

2. Calculate monthly payment: Enter "=PMT(0.0051,120,100000)" in D2, drag the fill handle down and copy it to D121.

3. Calculate the principal: Enter "1" in A2, drag the fill handle down and copy it to "120". Enter the formula "=PPMT(0.0051,ROW()-1,120,100000)" in B2 and drag the fill handle downward to copy the formula to B121.

4. Calculate interest: Enter the formula "=B2-D2" in C2, drag the fill handle downward to copy the formula to C121.

Such a detailed repayment schedule is created, which can not only prepare the repayment schedule, but also calculate investments such as annuities.

Formula explanation:

1. Function PMT returns the payment amount of each loan period based on fixed interest rate and equal installment payment method.

PMT (0.0051,120,100000), 0.0051 is the monthly interest rate, 120 is the loan period, which is 120 months (10 years), and 100000 is the loan amount.

2. Function PPMT returns the principal repayment amount of the investment in a given period based on fixed interest rate and equal installment payment method.

PPMT(0.0051,ROW()-1,120,100000), 0.0051 is the monthly interest rate, ROW()-1 is the number, ROW() is the number of rows, use the number of rows to calculate the number of periods, 120 is the loan period, which is 120 months (10 years) ), 100,000 is the loan amount.