{"id":12941,"date":"2020-06-01T16:45:08","date_gmt":"2020-06-01T16:45:08","guid":{"rendered":"https:\/\/margill.com\/?p=12941"},"modified":"2025-10-10T09:24:46","modified_gmt":"2025-10-10T13:24:46","slug":"how-can-i-create-a-schedule-where-i-can-see-the-interest-that-accrues-on-a-daily-basis-every-day","status":"publish","type":"post","link":"https:\/\/margill.com\/en\/how-can-i-create-a-schedule-where-i-can-see-the-interest-that-accrues-on-a-daily-basis-every-day\/","title":{"rendered":"How can I create a schedule where I can see the interest that accrues on a daily basis, every day?"},"content":{"rendered":"<p><strong>Q: My law firm must calculate the interest from June 30, 2019 to May 28, 2020 on an amount due by an insurance company. I must be able to see the interest that accrues every day.<\/strong><\/p>\n<p>Interest rate is 4% annually and amount is 150,250.33.<\/p>\n<p>A: In Margill Law Edition, you would usually use the &#8220;Interest on one amount between two dates&#8221; calculation:<\/p>\n<p id=\"NdabkQi\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12942 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed526b9d885f.png\" alt=\"\" width=\"256\" height=\"179\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed526b9d885f.png 341w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed526b9d885f-300x209.png 300w\" sizes=\"auto, (max-width: 256px) 100vw, 256px\" \/><\/p>\n<p>Data entry:<\/p>\n<p id=\"QEwvcBr\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12944 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52746517e7.png\" alt=\"\" width=\"332\" height=\"281\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52746517e7.png 392w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52746517e7-300x254.png 300w\" sizes=\"auto, (max-width: 332px) 100vw, 332px\" \/><\/p>\n<p>This would give you the amount as two lines with a split on December 31 at midnight:<\/p>\n<p id=\"qJIoNGx\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12945 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52c02279fc.png\" alt=\"\" width=\"635\" height=\"245\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52c02279fc.png 839w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52c02279fc-300x116.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52c02279fc-705x272.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52c02279fc-450x174.png 450w\" sizes=\"auto, (max-width: 635px) 100vw, 635px\" \/><\/p>\n<p>I know, you want detail, lots of it, on a daily basis so instead of using &#8220;Interest on one amount between two dates&#8221;, use the very powerful &#8220;Recurring Payments (Amortization)&#8221; calculation that can do just about anything, not only loans or mortgages.<\/p>\n<p>Here is how I would enter the data to see the payments every single day. Notice:<\/p>\n<ul>\n<li>&#8220;First Payment Date&#8221; is one date after my &#8220;Origination Date&#8221; or start date<\/li>\n<li>&#8220;Payment Method&#8221; = &#8220;Payments set to 0.00&#8221;.<\/li>\n<li>For &#8220;Number of Payments&#8221;, I right clicked with the mouse to enter 05-28-2020 and Margill calculates a cool 333 payments (of 0.00)<\/li>\n<\/ul>\n<p id=\"wKZFQeD\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12946 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52ce8c3ea2.png\" alt=\"\" width=\"492\" height=\"354\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52ce8c3ea2.png 618w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52ce8c3ea2-300x216.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52ce8c3ea2-450x324.png 450w\" sizes=\"auto, (max-width: 492px) 100vw, 492px\" \/><\/p>\n<p>We get a 333 line schedule with the daily interest for each day.<\/p>\n<p>We get almost the same amount as in the calculation done with &#8220;Interest on one amount between two dates&#8221;. We are higher by 0.66 since the calculations below are done line by line and the 2 decimal point pennies leads to this slight difference.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12947 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52de51769b.png\" alt=\"\" width=\"593\" height=\"269\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52de51769b.png 934w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52de51769b-300x136.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52de51769b-705x319.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52de51769b-450x204.png 450w\" sizes=\"auto, (max-width: 593px) 100vw, 593px\" \/><\/p>\n<p style=\"text-align: center;\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p id=\"dkyRpLp\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12948 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52e6ad029c.png\" alt=\"\" width=\"590\" height=\"110\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52e6ad029c.png 989w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52e6ad029c-300x56.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52e6ad029c-705x131.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2020\/06\/img_5ed52e6ad029c-450x84.png 450w\" sizes=\"auto, (max-width: 590px) 100vw, 590px\" \/><\/p>\n<p>In Simple interest, using the Actual\/Actual Day count, the interest in 2019 is slightly higher than in leap year 2020. This also could have be done in Compound interest where the daily interest would change almost every day.<\/p>\n<p>Remember the interest for the end date is excluded. So interest does not include the interest for May 28, 2020.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Q: My law firm must calculate the interest from June 30, 2019 to May 28, 2020 on an amount due by an insurance company. I must be able to see the interest that accrues every day. Interest rate is 4% annually and amount is 150,250.33. A: In Margill Law Edition, you would usually use the [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[409,193,408],"tags":[85],"class_list":["post-12941","post","type-post","status-publish","format-standard","hentry","category-margill-law-and-standard-documentation","category-knowledge-base","category-margill-law-and-standard","tag-daily-interest"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How can I create a schedule where I can see the interest that accrues on a daily basis, every day? - Margill<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/margill.com\/en\/how-can-i-create-a-schedule-where-i-can-see-the-interest-that-accrues-on-a-daily-basis-every-day\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"How can I create a schedule where I can see the interest that accrues on a daily basis, every day? - Margill\" \/>\r\n<meta property=\"og:description\" content=\"Q: My law firm must calculate the interest from June 30, 2019 to May 28, 2020 on an amount due by an insurance company. 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