Without more information, I have two suggestions:

1. Build your own table.
2. Calculate the amount owing 30 days before the first payment, and start from
there. In other words, add 15 days interest to the principal, then use the
standard amortization table.

--
Regards,
Fred


"Leroy Grace" <Leroy wrote in message
...
I am trying to create an amortization schedule with the first payment being
45 days instead of 30 days. I have tried manipulating the formulas but it
doesn't seem to be working.