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"Payment" in Excel, no salesforce formula? Help!

My premium support inside Salesforce staff can not help.
 
We have always calculated a principle and interest payment using, Microsoft Excel, a financial calculator or loan software.
 
They all have a "PMT" function and salesforce does not.
 
This is absolutely critical for us and has stopped us in our tracks. Using "simple" interest will NOT cut it for us, as we are a commercial loan company.
 
Has anyone successfully written a principle & interest formula in salesforceeaze?
 
Please (begging) help...