Need to calculate interest paid/earned for the coming year ...

All,
Working up the 2010 budget, and decided to give Numbers a whirl vs. continuing with M$ Excel for another year. One of the things I do is make some kind of educated estimate on how much my interest I will pay on each of my loans in the following year.
Example - auto loan:
Balance: $10,000
Interest rate: 7%
Payment: $200/month
You get the idea. Does Numbers have a formula that will calc the effective interest I would have paid by December 2010, recalculating the new principal and interest each month as the balance goes down, etc? I looked at IPMT, but some of the variables don't seem to make sense to me.
Appreciate the help in advance.
Bones

Ok, that works for some things. (Thanks again).
If you have a fixed-term loan (auto, home, etc.) then CUMIPMT seems to work great. But in the case of revolving credit lines, credit cards, where there is no fixed term the formula breaks down.
For example:
CreditCardX
- APR: 10%
- Balance: $5,000
- Projected payment/month: $150
CreditCardY
- APR: 12%
- Balance: $4,000
- Projected payment/month: $125
In the coming 12 months, I want to play with the numbers to see how much interest I will pay on X versus Y over the coming year ... up the payment on X and see how that changes things versus upping the payment on Y ... you get the idea.
I guess I can just create a manual formula (?)
Still appreciate any help as I am figuring out Numbers.
Bones

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