The formula wizard asks for:

Rate, NPER, PV, and FV.

I have the following info:

I guess the **rate** would be the annual interest rate (say 5.5%) divided by 12, or 0.48%.

**NPER** is the number of periods, or 30 years * 12 months = 360.

But what do I plug in for **PV** (present value) and **FV** (future value)?

I'm guessing PV is what I think of as the "loan amount." Is that right?