Formula to calculate payments

[JOANDER]

I have a formula to calculate payment in 30 days, =PMT(cell# with percentage rate /12, cell# wit term, - cell# of amount financed)
BUT I can not figure out the formula for a 45 day to payment, can anyone help?

THANK YOU

 

[StephenCrump]

What is the actual question you are trying to solve?

 

[JOANDER]

My formula will calculate a monthly payment on a car loan beginning 7-18-19 first payment due 30 day 8-16-2019, (interest 5%/12, 60 month term, loan amount 10,000.00) = 188.71
I need the same thing but to a first pay payment to be due 45 days beginning 8-31-19

 

[shg]

Just a half-period of interest added to the principal, no?

	A​	B​
1​	($188.71)​	A1: =PMT(5%/12, 60, 10000)
2​	($189.11)​	A2: =PMT(5%/12, 60, 10000 * (1 + 5%/24))

 

[JOANDER]

Yes, thank you very much