If I have a loan like the one in the "Amortization Schedule" here where the following is the load terms:

interest_rate   4.5%                
NPER    24              
PV  50000               
Payments per year   12              
Loan term (year)    2

How can I then, in a single formula (so not like a year-by-year table calculation), calculate the "Balance" (the remaining amount of the loan) at a given point in time (say at month 10)? In the table the "Balance" at month 10 is 29711.06787

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