Functions Excel Formulas Description

Joins several
text items
into one text
CONCATENA item. Easier
=CONCATENATE(text1,text2,…)
TE to use ‘&’
instead of
the function
usually.

Rounds a
number
FLOOR =FLOOR(number,significance)
down,
toward zero

Returns the
individual
term
BINOMDIST =BINOMDIST(number_s,trials,probability_s,cumulative)
binomial
distribution
probability

Returns the
one-tailed
probability
CHIDIST =CHIDIST(x,deg_freedom)
of the chi-
squared
distribution

Returns the
test for
CHIINV =CHITEST(actual_range,expected_range)
independenc
e

Returns the
confidence
CONFIDENCE =CONFIDENCE(alpha,standard_dev,size) interval for a
population
mean

FTEST =FTEST(array1,array2)  

LOGINV =LOGINV(probability,mean,standard_dev) Returns the

inverse of
the
 lognormal
cumulative
distribution

Returns the
LOGNORMDI cumulative
=LOGNORMDIST(x,mean,standard_dev)
ST lognormal
distribution

Returns the
most
MODE ==MODE(number1,number2,…) common
value in a
data set

Returns the
normal
NORMDIST =NORMDIST(x,mean,standard_dev,cumulative)
cumulative
distribution

Returns the
inverse of
NORMINV =NORMINV(probability,mean,standard_dev) the normal
cumulative
distribution

Returns the
standard
NORMSDIST =NORMSDIST(z) normal
cumulative
distribution

Returns the
inverse of
the standard
NORMSINV =NORMSINV(probability)
normal
cumulative
distribution

Returns the
k-th
PERCENTILE =PERCENTILE(array,k) percentile of
values in a
range
 Returns the
percentage
PERCENTRA
=PERCENTRANK(array,x,significance) rank of a
NK
value in a
data set

Returns the
POISSON =POISSON(x,mean,cumulative) Poisson
distribution

Returns the
QUARTILE =QUARTILE(array,quart) quartile of a
data set

Returns the
rank of a
RANK =RANK(number,ref,order) number in a
list of
numbers

Estimates
standard
STDEV =STDEV(number1,number2,…) deviation
based on a
sample

Calculates
standard
deviation
STDEVP =STDEVP(number1,number2,…)
based on the
entire
population

Returns the
TDIST =TDIST(x,deg_freedom,tails) Student’s t-
distribution

Returns the
inverse of
TINV =TINV(probability,deg_freedom)
the Student’s
t-distribution

VAR =VAR(number1,number2,…) Estimates

variance
based on a
 sample

Calculates
variance
VARP =VARP(number1,number2,…) based on the
entire
population

Returns the
inverse of
FINV =FINV(probability,deg_freedom1,deg_freedom2) the F
probability
distribution

Returns a
FORECAST =FORECAST(x,known_y’s,known_x’s) value along a
linear trend

Returns the
beta
BETADIST =BETADIST(x,alpha,beta,A,B) cumulative
distribution
function

Returns the
inverse of
the
cumulative
BETAINV =BETAINV(probability,alpha,beta,A,B) distribution
function for
a specified
beta
distribution

Returns
covariance,
the average
COVAR =COVAR(array1,array2) of the
products of
paired
deviations

CRITBINOM =CRITBINOM(trials,probability_s,alpha) Returns the

smallest
value for
which the
 cumulative
binomial
distribution
is less than
or equal to a
criterion
value

Returns the
EXPONDIST =EXPONDIST(x,lambda,cumulative) exponential
distribution

Returns the
POISSON =POISSON(x,mean,cumulative) Poisson
distribution

Returns the
FDIST =FDIST(x,deg_freedom1,deg_freedom2) F probability
distribution

Returns the
GAMMADIST =GAMMADIST(x,alpha,beta,cumulative) gamma
distribution

Returns the
inverse of
GAMMAINV =GAMMAINV(probability,alpha,beta) the gamma
cumulative
distribution

Returns the
HYPGEOMDI =HYPGEOMDIST(sample_s,number_sample,population_s,nu hypergeome
ST mber_pop) tric
distribution

Returns the
NEGBINOMD negative
=NEGBINOMDIST(number_f,number_s,probability_s)
IST binomial
distribution

TTEST =TTEST(array1,array2,tails,type) Returns the

probability
associated
with a
Student’s t-
 test

Calculates
variance
based on the
entire
WEIBULL =WEIBULL(x,alpha,beta,cumulative) population,
including
numbers,
text, and
logical values

Returns the
one-tailed
ZTEST =ZTEST(array,x,sigma) probability-
value of a z-
test

 Cube Excel Formulas & Functions

Functions Excel Formulas

CUBEKPIMEMBER =CUBEKPIMEMBER(connection,kpi_name,kpi_p
 CUBEMEMBER =CUBEMEMBER(connection,member_expres

CUBEMEMBERPROPERT
=CUBEMEMBERPROPERTY(connection,member_e
Y

CUBERANKEDMEMBER =CUBERANKEDMEMBER(connection,set_expres

CUBESET =CUBESET(connection,set_expression,caption,sor

CUBESETCOUNT =CUBESETCOUNT(set)
 CUBEVALUE =CUBEVALUE(connection,member_expres

 Database Excel Formulas & Functions

Functions Excel Formulas

DGET =DGET(database,field,criteria)

DSUM =DSUM(database,field,criteria)

DAVERAGE =DAVERAGE(database,field,criteria)

DCOUNT =DCOUNT(database,field,criteria)

DCOUNTA =DCOUNTA(database,field,criteria)

DMAX =DMAX(database,field,criteria)

DMIN =DMIN(database,field,criteria)

DPRODUCT =DPRODUCT(database,field,criteria)

DSTDEV =DSTDEV(database,field,criteria)
 DSTDEVP =DSTDEVP(database,field,criteria)

DVAR =DVAR(database,field,criteria)

DVARP =DVARP(database,field,criteria)

 Date & Time Excel Formulas & Functions

Functions Excel Formulas

DATE =DATE(year,month,day)

DATEVALUE =DATEVALUE(date_text)

DAY =DAY(serial_number)

HOUR =HOUR(serial_number)

MINUTE =MINUTE(serial_number)

MONTH ==MONTH(serial_number)

NOW =NOW()
 SECOND =SECOND(serial_number)

TIME =TIME(hour,minute,second)

TIMEVALUE =TIMEVALUE(time_text)

TODAY =TODAY()

YEAR =YEAR(serial_number)

DAYS360 =DAYS360(start_date,end_date,method)

EDATE =EDATE(start_date,months)

EOMONTH =EOMONTH(start_date,months)

NETWORKDAYS =NETWORKDAYS(start_date,end_date,[holidays

NETWORKDAYS.INT =NETWORKDAYS.INTL(start_date,end_date,[weekend],
L
 WEEKDAY =WEEKDAY(serial_number,[return_type])

WEEKNUM =WEEKNUM(serial_number,[return_type])

WORKDAY =WORKDAY(start_date, days, [holidays])

WORKDAY.INTL =WORKDAY.INTL(start_date,days,weekend,holid

YEARFRAC =YEARFRAC(start_date,end_date,basis)

 Information Excel Formulas & Functions

Functions Excel Formulas

CELL =CELL(info_type, [reference])

ISBLANK =ISBLANK(value)
 ISERROR =ISERROR(value)

ISNONTEXT =ISNONTEXT(value)

ISNUMBER =ISNUMBER(value)

ISTEXT =ISTEXT(value)

ERROR.TYPE =ERROR.TYPE(error_val)

INFO =INFO(type_text)

ISERR =ISERR(value)

ISEVEN =ISEVEN(number)

ISLOGICAL =ISLOGICAL(value)

ISNA =ISNA(value)

ISODD =ISODD(number)

ISREF =ISREF(value)

N =N(value)

NA =NA()

TYPE =TYPE(value)
 Logical Excel Formulas & Functions

Functions Excel Formulas

AND =AND(logical1,logical2,…)

FALSE =FALSE

IF =IF(logical_test, [value_if_true], [value_if_false])

IFERROR =IFERROR(value, value_if_error)

NOT =NOT(logical)

OR =OR(logical1,logical2,…)

TRUE =TRUE

LOOKUP =LOOKUP(lookup_value, array)– 2 types

 Lookup & Reference Excel Formulas & Functions

Functions Excel Formulas

ADDRESS =ADDRESS(row_num, column_num, [abs_num], [a1], [she

COLUMN =COLUMN([reference])

COLUMNS =COLUMNS(array)
 HLOOKUP =HLOOKUP(lookup_value,table_array,row_index_num,[rang

INDEX =INDEX(array,row_num,[column_num])– 2 types

INDIRECT =INDIRECT(ref_text,a1)

MATCH =MATCH(lookup_value,lookup_array,match_type

OFFSET =OFFSET(reference,rows,cols,height,width)

ROW =ROW([reference])

ROWS =ROWS(array)

VLOOKUP =VLOOKUP(lookup_value,table_array,col_index_num,[rang

CHOOSE =CHOOSE(index_num,value1,value2,…)

GETPIVOTDATA =GETPIVOTDATA(data_field,pivot_table,field,item,
 HYPERLINK =HYPERLINK(link_location,friendly_name)

TRANSPOSE =TRANSPOSE(array)

AREAS =AREAS(reference)

RTD =RTD(progID,server,topic1,topic2,…)

 Text Excel Formulas & Functions

Functions Excel Formulas

EXACT =EXACT(text1,text2)

LOWER =LOWER(text)

PROPER =PROPER(text)
 TRIM =TRIM(text)

UPPER =UPPER(text)

CHAR =CHAR(number)

CLEAN =CLEAN(text)

CODE =CODE(text)

DOLLAR =DOLLAR(number,decimals)

FIXED =FIXED(number,decimals,no_commas)

PHONETIC =PHONETIC(reference)

REPT =REPT(text,number_times)

SUBSTITUTE =SUBSTITUTE(text,old_text,new_text,instance_num)

T =T(value)

VALUE =VALUE(text)

ASC =ASC(text)
 BAHTTEXT =BAHTTEXT(number)

 Most Common Excel Formulas & Functions

Functions Excel Formulas

FIND =FIND(find_text,within_text,start_num)

LEFT =LEFT(text,num_chars)

LEN =LEN(text)

MID =MID(text,start_num,num_chars)

REPLACE =REPLACE(old_text,start_num,num_chars,new_text)

RIGHT =RIGHT(text,num_chars)

SEARCH =SEARCH(find_text,within_text,start_num)

 Engineering Excel Formulas & Functions

Functions Excel Formulas

CONVERT =CONVERT(number,from_unit,to_unit)
 DELTA =DELTA(number1,number2)

ERF =ERF(lower_limit,upper_limit)

ERFC =ERFC(x)

GESTEP =GESTEP(number,step)

ERF.PRECISE =ERF.PRECISE(X)

ERFC.PRECISE =ERFC.PRECISE(X)

BESSELI =BESSELI(x,n)

BESSELJ =BESSELJ(x,n)

BESSELK =BESSELK(x,n)

BESSELY =BESSELY(x,n)

BIN2DEC =BIN2DEC(number)

BIN2HEX =BIN2HEX(number,places)

DEC2OCT =DEC2OCT(number,places)

HEX2BIN =HEX2BIN(number,places)

HEX2DEC =HEX2DEC(number)
 HEX2OCT =HEX2OCT(number,places)

IMABS =IMABS(inumber)

IMAGINARY =IMAGINARY(inumber)

IMARGUMENT =IMARGUMENT(inumber)

IMCONJUGATE =IMCONJUGATE(inumber)

IMCOS =IMCOS(inumber)

IMDIV =IMDIV(inumber1,inumber2)

IMEXP =IMEXP(inumber)

IMLN =IMLN(inumber)

IMLOG10 =IMLOG10(inumber)

IMLOG2 =IMLOG2(inumber)

IMPOWER =IMPOWER(inumber,number)

IMPRODUCT =IMPRODUCT(inumber1,inumber2,…)

IMREAL =IMREAL(inumber)
 IMSIN =IMSIN(inumber)

IMSQRT =IMSQRT(inumber)

IMSUB =IMSUB(inumber1,inumber2)

IMSUM =IMSUM(inumber1,inumber2,…)

OCT2BIN =OCT2BIN(number,places)

OCT2DEC =OCT2DEC(number)

OCT2HEX =OCT2HEX(number,places)

 Financial Excel Formulas & Functions

Functions Excel Formulas

AMORDEGRC =AMORDEGRC(cost,date_purchased,first_period,salvage

AMORLINC =AMORLINC(cost,date_purchased,first_period,salvage,
DOLLARDE =DOLLARDE(fractional_dollar,fraction

DOLLARFR =DOLLARFR(decimal_dollar,fraction)

SLN =SLN(cost,salvage,life)

SYD =SYD(cost,salvage,life,per)
 DB =DB(cost,salvage,life,period,month)

DDB =DDB(cost,salvage,life,period,factor)

EFFECT =EFFECT(nominal_rate,npery)

FV =FV(rate,nper,pmt,pv,type)
 IPMT =IPMT(rate,per,nper,pv,fv,type)

IRR =IRR(values,guess)

MIRR =MIRR(values,finance_rate,reinvest_rate

NOMINAL =NOMINAL(effect_rate,npery)

NPER =NPER(rate,pmt,pv,fv,type)

NPV =NPV(rate,value1,value2,…)
 PV =PV(rate,nper,pmt,fv,type)

RATE =RATE(nper,pmt,pv,fv,type,guess)

YIELD =YIELD(settlement,maturity,rate,pr,redemption,freq

ACCRINT =ACCRINT(issue,first_interest,settlement,rate,par,frequency

ACCRINTM =ACCRINTM(issue,settlement,rate,par,bas
COUPDAYBS =COUPDAYBS(settlement,maturity,frequency

COUPDAYS =COUPDAYS(settlement,maturity,frequency,

COUPDAYSNC =COUPDAYSNC(settlement,maturity,frequenc

COUPNCD =COUPNCD(settlement,maturity,frequency,b

COUPNUM =COUPNUM(settlement,maturity,frequency,
COUPPCD =COUPPCD(settlement,maturity,frequency,b

CUMIPMT =CUMIPMT(rate,nper,pv,start_period,end_peri

CUMPRINC =CUMPRINC(rate,nper,pv,start_period,end_per

DISC =DISC(settlement,maturity,pr,redemption,ba

DURATION =DURATION(settlement,maturity,coupon,yld,frequ
FVSCHEDULE =FVSCHEDULE(principal,schedule)

INTRATE =INTRATE(settlement,maturity,investment,redemp

ISPMT =ISPMT(rate,per,nper,pv)

MDURATION =MDURATION(settlement,maturity,coupon,yld,freq

ODDFPRICE =ODDFPRICE(settlement,maturity,issue,first_coupon,rate,yld,red
ODDFYIELD =ODDFYIELD(settlement,maturity,issue,first_coupon,rate,pr,red

ODDLPRICE =ODDLPRICE(settlement,maturity,last_interest,rate,yld,redem

ODDLYIELD =ODDLYIELD(settlement,maturity,last_interest,rate,pr,redem

PMT =PMT(rate,nper,pv,fv,type)

PPMT =PPMT(rate,per,nper,pv,fv,type)
 PRICE =PRICE(settlement,maturity,rate,yld,redemption,freq

PRICEDISC =PRICEDISC(settlement,maturity,discount,redemp

PRICEMAT =PRICEMAT(settlement,maturity,issue,rate,yld

RECEIVED =RECEIVED(settlement,maturity,investment,disco

TBILLEQ =TBILLEQ(settlement,maturity,discount
TBILLPRICE =TBILLPRICE(settlement,maturity,discou

TBILLYIELD =TBILLYIELD(settlement,maturity,pr)

VDB =VDB(cost,salvage,life,start_period,end_period,facto

XIRR =XIRR(values,dates,guess)

XNPV =XNPV(rate,values,dates)
 YIELDDISC =YIELDDISC(settlement,maturity,pr,redemptio

YIELDMAT =YIELDMAT(settlement,maturity,issue,rate,pr

 Math and Trigonometry Excel Formulas & Functions

Functions Excel Formulas

ABS =ABS(number)

PRODUCT =PRODUCT(number1,number2,…)

RAND =RAND()

RANDBETWEEN =RANDBETWEEN(bottom,top)

ROUND =ROUND(number,num_digits)
 ROUNDDOWN =ROUNDDOWN(number,num_digits)

ROUNDUP =ROUNDUP(number,num_digits)

SUBTOTAL =SUBTOTAL(function_num,ref1,…)

SUM =SUM(number1,number2,…)

SUMIF =SUMIF(range,criteria,[sum_range])

SUMIFS =SUMIFS(sum_range,criteria_range,criteria,…)

SUMPRODUCT =SUMPRODUCT(array1,array2,[array3],…)

CEILING =CEILING(number,significance)

CEILING.PRECISE =CEILING.PRECISE(number,significance)

EVEN =EVEN(number)

EXP =EXP(number)

FACT =FACT(number)

FLOOR.PRECISE =FLOOR.PRECISE(number,significance)
 GCD =GCD(number1,number2,…)

INT =INT(number)

ISO.CEILING =ISO.CEILING(number,significance)

LCM =LCM(number1,number2,…)

MOD =MOD(number,divisor)

MROUND =MROUND(number,multiple)

ODD =ODD(number)

PI =PI()

POWER =POWER(number,power)

QUOTIENT =QUOTIENT(numerator,denominator)

SERIESSUM =SERIESSUM(x,n,m,coefficients)

SIGN =SIGN(number)

SQRT =SQRT(number)

SUMSQ =SUMSQ(number1,number2,…)
 TRUNC =TRUNC(number,num_digits)

AGGREGATE =AGGREGATE(function_num,options,array,k)

COMBIN =COMBIN(number,number_chosen)

COS =COS(number)

COSH =COSH(number)

FACTDOUBLE =FACTDOUBLE(number)

LN =LN(number)

LOG =LOG(number,base)

LOG10 =LOG10(number)

MULTINOMIAL =MULTINOMIAL(number1,number2,…)

SIN =SIN(number)

SINH =SINH(number)

SUMX2MY2 =SUMX2MY2(array_x,array_y)

SUMX2PY2 =SUMX2PY2(array_x,array_y)
SUMXMY2 =SUMXMY2(array_x,array_y)

TAN =TAN(number)

TANH =TANH(number)

ACOS =ACOS(number)

ACOSH =ACOSH(number)

ASIN =ASIN(number)

ASINH =ASINH(number)

ATAN =ATAN(number)

ATAN2 =ATAN2(x_num,y_num)

ATANH =ATANH(number)

DEGREES =DEGREES(angle)

MDETERM =MDETERM(array)

MINVERSE =MINVERSE(array)

MMULT =MMULT(array1,array2)

RADIANS =RADIANS(angle)
 ROMAN =ROMAN(number,form)

SQRTPI =SQRTPI(number)

 Statistical Excel Formulas & Functions

Functions Excel Formulas

AVERAGE =AVERAGE(number1,number2,…)

AVERAGEIF =AVERAGEIF(range,criteria,[average_ra

COUNT =COUNT(value1,value2,…)

COUNTA =COUNTA(value1,value2,…)

COUNTBLANK =COUNTBLANK(range)
COUNTIF =COUNTIF(range,criteria)

COUNTIFS =COUNTIFS(criteria_range,criteria,…

MAX =MAX(number1,number2,…)

MEDIAN =MEDIAN(number1,number2,…)

MIN =MIN(number1,number2,…)

TEXT =TEXT(value,format_text)

AVERAGEA =AVERAGEA(value1,value2,…)
AVERAGEIFS =AVERAGEIFS(average_range,criteria_range,c

GEOMEAN =GEOMEAN(number1,number2,…)

INTERCEPT =INTERCEPT(known_y’s,known_x’s

LARGE =LARGE(array,k)

LINEST =LINEST(known_y’s,known_x’s,const,s

LOGEST =LOGEST(known_y’s,known_x’s,const,s

MAXA =MAXA(value1,value2,…)
 MINA =MINA(value1,value2,…)

MODE.MULT =MODE.MULT(number1,number2,…

MODE.SNGL =MODE.SNGL(number1,number2,…

PROB =PROB(x_range,prob_range,lower_limit,upp

RANK.AVG =RANK.AVG(number,ref,order)

RANK.EQ =RANK.EQ(number,ref,order)
 SKEW =SKEW(number1,number2,…)

SLOPE =SLOPE(known_y’s,known_x’s)

SMALL =SMALL(array,k)

STANDARDIZE =STANDARDIZE(x,mean,standard_de

TREND =TREND(known_y’s,known_x’s,new_x’s,

NORM.S.INV =NORM.S.INV(probability)

AVEDEV =AVEDEV(number1,number2,…)
 BETA.DIST =BETA.DIST(x,alpha,beta,cumulative,A

BETA.INV =BETA.INV(probability,alpha,beta,A,B

BINOM.DIST =BINOM.DIST(number_s,trials,probability_s,c

BINOM.INV =BINOM.INV(trials,probability_s,alph

CHISQ.DIST =CHISQ.DIST(x,deg_freedom,cumulati

CHISQ.DIST.RT =CHISQ.DIST.RT(x,deg_freedom)
 CHISQ.INV =CHISQ.INV(probability,deg_freedom

CHISQ.INV.RT =CHISQ.INV.RT(probability,deg_freedo

CHISQ.TEST =CHISQ.TEST(actual_range,expected_ra

CONFIDENCE.NOR
=CONFIDENCE.NORM(alpha,standard_de
M

CONFIDENCE.T =CONFIDENCE.T(alpha,standard_dev,s

CORREL =CORREL(array1,array2)
COVARIANCE.P =COVARIANCE.P(array1,array2)

COVARIANCE.S =COVARIANCE.S(array1,array2)

DEVSQ =DEVSQ(number1,number2,…)

EXPON.DIST =EXPON.DIST(x,lambda,cumulative

F.DIST =F.DIST(x,deg_freedom1,deg_freedom2,cum

F.DIST.RT =F.DIST.RT(x,deg_freedom1,deg_freedo

F.INV =F.INV(probability,deg_freedom1,deg_free
 F.INV.RT =F.INV.RT(probability,deg_freedom1,deg_fr

F.TEST =F.TEST(array1,array2)

FISHER =FISHER(x)

FISHERINV =FISHERINV(y)

FREQUENCY =FREQUENCY(data_array,bins_array

GAMMA.DIST =GAMMA.DIST(x,alpha,beta,cumulativ

GAMMA.INV =GAMMA.INV(probability,alpha,beta

GAMMALN =GAMMALN(x)
GAMMALN.PRECIS
=GAMMALN.PRECISE(x)
E

GROWTH =GROWTH(known_y’s,known_x’s,new_x’s

HARMEAN =HARMEAN(number1,number2,…)

HYPGEOM.DIST =HYPGEOM.DIST(sample_s,number_sample,population_s,n

KURT =KURT(number1,number2,…)

LOGNORM.DIST =LOGNORM.DIST(x,mean,standard_dev,cum

LOGNORM.INV =LOGNORM.INV(probability,mean,standar

NEGBINOM.DIST =NEGBINOM.DIST(number_f,number_s,probability
 NORM.DIST =NORM.DIST(x,mean,standard_dev,cumu

NORM.INV =NORM.INV(probability,mean,standard_

NORM.S.DIST =NORM.S.DIST(z,cumulative)

PEARSON =PEARSON(array1,array2)

PERCENTILE.EXC =PERCENTILE.EXC(array,k)

PERCENTILE.INC =PERCENTILE.INC(array,k)
PERCENTRANK.EX
=PERCENTRANK.EXC(array,x,significa
C

PERCENTRANK.IN
=PERCENTRANK.INC(array,x,significa
C

PERMUT =PERMUT(number,number_chosen)

POISSON.DIST =POISSON.DIST(x,mean,cumulative

QUARTILE.EXC =QUARTILE.EXC(array,quart)

QUARTILE.INC =QUARTILE.INC(array,quart)

RSQ =RSQ(known_y’s,known_x’s)
STDEV.P =STDEV.P(number1,number2,…)

STDEV.S =STDEV.S(number1,number2,…)

STDEVA =STDEVA(value1,value2,…)

STDEVPA =STDEVPA(value1,value2,…)

STEYX =STEYX(known_y’s,known_x’s)
 T.DIST =T.DIST(x,deg_freedom,cumulative)

T.DIST.2T =T.DIST.2T(x,deg_freedom)

T.DIST.RT =T.DIST.RT(x,deg_freedom)

T.INV =T.INV(probability,deg_freedom)

T.INV.2T =T.INV.2T(probability,deg_freedom)

T.TEST =T.TEST(array1,array2,tails,type)
 TRIMMEAN =TRIMMEAN(array,percent)

VAR.P =VAR.P(number1,number2,…)

VAR.S =VAR.S(number1,number2,…)

VARA =VARA(value1,value2,…)

VARPA =VARPA(value1,value2,…)

WEIBULL.DIST =WEIBULL.DIST(x,alpha,beta,cumulati
Z.TEST =Z.TEST(array,x,sigma)