# Questions tagged [spreadsheet]

For questions regarding the use of spreadsheet programs (such as MS Excel, Google Sheets, OpenOffice Calc, etc.) in personal finance, including questions about spreadsheet financial functions.

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47k views

### Daily interest calculation combined with monthly compounding: Why do banks do this, and how-to in Excel?

I often see banks advertise (for accounts with fixed yearly interest, let's say 1.5%) – "interested is calculated daily, and compounded monthly". I have 2 questions: Why are they calculating ...
66k views

### How do I calculate monthly compound interest in Google Sheets?

I have a financial spreadsheet with a column of all my deposits into my savings account. The leftmost column lists the dates of the deposits. Now, let's say my savings balance is \$100.00 and my ...
18k views

### Why use accounting software like Quickbooks instead of Excel spreadsheets?

Some friends and I are starting a small landscaping cooperative, and are thinking about how we will manage accounting. Places we've worked in the past have used Excel spreadsheets to manage all of ...
5k views

### How can I calculate a "running" return using XIRR in a spreadsheet?

I should say that I'm not married to XIRR, I just want to calculate the return on a running basis in a column next to dates, deposits and balances. Here's a screenshot of a simplified spreadsheet in ...
29k views

### What Excel function to use to calculate the return or interest rate on a savings account?

I'm getting confused by Excel's various different financial functions. Which one would I use to answer the following two questions and how? Suppose that on October 1st, 2012 I open a savings account ...
193 views

### Daily Interest Monthly Compounding Multiyear

I downloaded the Excel spreadsheet mentioned in the accepted answer to this question: Daily interest calculation combined with monthly compounding: Why do banks do this, and how-to in Excel? It was ...
2k views

### Shared groceries expenses between roommates to be divided as per specific consumption ratio and attendance

My apologies if this question is in the wrong section. Couple of my roommates & I (total 5 people) share the groceries expenses. We record the purchases in an Excel sheet, and also have the ratio ...
899 views

### How can I calculate (approximate) the future value of my investments? Is this formula appropriate?

I want to check to see if I'm meeting my investment goals, so I want to project forward my assets given a growth rate and a monthly deposit amount. What is the best formula to use for this? Is this ...
768 views

### Calculating Future and Present value into mortgage comparisons

I'm looking to buy a home in the next 3 or 4 months. The bank I'm working with has 10 different mortgage rates, currently ranging from 3.5% to 4.625%, with points respectively ranging from 2.875 to -1....
184 views

### Is the S&P500's excess return above Treasuries after investing monthly for forty years really 3.6% annualized?

I was playing with Robert Shiller's U.S. Stock Markets 1871-Present and CAPE Ratio dataset to simulate an investor who buys the S&P500 with their monthly savings—equal to that month's CPI—for the ...
6k views

### Compound daily interest with monthly deposits over x amount of years in excel

This is compound interest calculated daily and topped up with deposits every month e.g Begin with \$100, earn 2% interest earned daily even on weekends, and then come month end invest another \$100 on ...
317 views

### Compare my variable portfolio performance with S&P 500?

The question may appear simple at first but I really cannot come up with a quick and easy way to compare my performance as a trader Vs S&P500. For the sake of simplicity, I am analyzing my ...
252 views

### How can I calculate the annualised growth rate for an irregular investment?

I have a portfolio, which I invest in monthly. Depending on my circumstances, the monthly amount changes from time to time (perhaps every two years or so). I want to calculate the annualised growth ...
413 views

### Clarify Microsoft's explanation of MIRR

I don't understand Microsoft's MIRR example. The second parameter is the finance_rate: Finance_rate Required. The interest rate you pay on the money used in the cash flows. The example then ...
883 views

### Excel calculating interest rate on loan

Not sure if this is the right place to ask this type of question, apologies if it isn't. I am following this explanation on office support to answer my own question. Using the values they use, what ...
16k views

### How do I calculate portfolio standard deviation in Excel?

How do I calculate a portfolio standard deviation given a return? If I have 3 portfolios with similar size of \$300 million. Portfolio A : Expected Return % / Dollar Amount : 3.78% / \$11.34m, ...
9k views

### How to calculate the number of months until a loan is paid off (given principal, APR and payment amount)?

Does anyone know what formula they use for this When will you be debt-free? calculator? I want to put it in a Google Spreadsheet, but I can't find a payments-to-debt-free formula using my Google ...
3k views

### Get Revenue Details in Google Sheets using Google Finance

Recently I learned about GoogleFinance and it's feature to use Google Sheets to provide you with all stock market data using a formulae for eg. =GOOGLEFINANCE("GOOG", "price", &...
465 views

### Building Marcus Savings Calculator in Excel

I'm trying to do some analysis in Google Sheets which involves putting money in Marcus' High Yield savings account. For some reason, I can't seem to get my numbers to match the values from their ...
409 views

### Excel formula for calculating interest rate of earning

On January 1st I invest 1238. I do this every January 1st for 20 years. At the end of 20 years (So December 31st of the 20th year), I have 32880 in the account. What's my rate of interest? By playing ...
53 views

### What's wrong with the XIRR calculation here?

I am trying to learn how to use XIRR following tutorials.I think I'm overlooking something with this dataset problem when using Google Sheets to calculate XIRR. Can someone be kind enough to explain ...
6k views

### Annual compounding with monthly payments

I'm trying to solve the following problem using the Time Value of Money formulae on MS Excel and getting nowhere. Can someone please help me? X makes monthly payments of \$3500 at the end of each ...
4k views

### Calculating total number of monthly payments in Excel using NPER and PMT?

How to calculate the total number of monthly payments given the amount of loan (\$275,000), the annual interest rate (4.35%) and the number of years (30)? I'm confused because I'm trying to use the ...
66 views

### Calculating an accelerating rate of growth as a formula

Suppose I start with a \$1,000 trading account. During each 30 day period my account earns \$1,000 in net profit from a trading strategy using one contract per trade. The max amount lost across any ...
1k views

### Looking for Excel formula to calculate the benefit of making additional payments on a loan with interest daily compounded monthly

I'm looking to make extra payments to my student loans. I currently owe \$30,000 at 5.25%. I pay \$250 on the 15th of every month. My loans accrue interest daily that are then compounded monthly. I want ...
66 views

### Importing transactions to be recorded in both 'bank checking' and 'a particular expense' account

I have been recording and analyzing transactions for several years using a spreadsheet. In effect, I have been using a variation of a single entry book-keeping system. I wish to import the data into ...
461 views

### Help me understand and calculate credit union interest in Google Sheets

I have opened a savings account at a credit union and deposited \$100. Every month my account tells me I've received \$0.02 in interest, and that my deposit dividend is 0.250% and my APY earned is 0.23%...
535 views

### How can I make Excel handle fractions like Quickbooks?

When you have a fraction in Excel like 1.085 rounded to two decimals = 1.09. In Excel if you add a series of these fractions with displayed two decimals of precision you are really adding 1.085 and ...
41 views

### Mortgage/annuity spreadsheet formula question

I use IPMT formula in google spreadsheets to compute interest payment after 1st month like this: IPMT(annualRate/12, 1, loanYears*12, loanReceived) - this return for my specific case, 40568 loan for 3....
129 views

### How to adjust for long term inflation in an investment plan

So I have my investment Plan set in March 2019, with initial portfolio value of 250.000€, annual return 11% and long-term inflation rate at 1.5%. As you can see in column A, I have Capital BoP, ...
1k views

### XIRR not working for this dataset. Any other method to calculate rate of return?

For this particular dataset xirr is not returning any reasonable value either in excel or google spreadsheet. What is the option to calculate the rate of return in cases like this?? Sl-no date ...
4k views

### How do I convert a 4% per annum interest rate, compounded semi-annually, to a monthly rate?

Trying to develop a budget model in Excel. I know a prospective savings account makes 4% per annum, compounded semiannual. I'd like to know how much this means it earns monthly. Does it even earn ...
5k views

### IRR Calculation with multiple investments

Most of the times, most of the searches are returning the IRR calculation just based on a single initial investment. Imagine you have a plan that asks investors to supply money not only once, and you ...
102 views

### Determining the interest rate necessary to retain a certain balance after sixty monthly withdrawals [closed]

I have seen many examples online for "Time Value Money" and "sinking funds". I want to know how I can combine any type of solver in the PMT-PV equation? Because all these examples have known FV, PV, ...
93 views

### Translating a List of Monthly Payments from One Currency to Another

I have a list of monthly payments in Excel that looks like this: 01/18/2005 340.00 07/25/2005 270.00 05/10/2006 500.00 03/30/2007 730.00 10/01/2007 120.00 If the payment amounts in the second ...
1k views

### How and Where can I easily pull data for the Dow 30? [closed]

Where/How can I pull the following data on the DJIA stocks into Excel from the Web that updates every time I hit refresh in Excel? The data: 1. Last 12 months of dividend payments 2. Prices 3. DJIA ...
66 views

### Is there a way to track earnings from US stock markets and UK stock markets on a single spreadsheet?

If you trade in stock markets from different countries, how do you usually keep a journal? Do you track everything in one document, or do you use separate documents? I'm not sure how to go about ...
749 views

### Daily interest calculation on a 30/360 basis, considering payment occurs before schedule — how-to in Excel?

I'm setting up a payment spreadsheet for a loan just granted, and want to be able to make daily calculations of accrued interest. The debtor has been given a payment schedule with an interest only ...
38 views

### How to calculate the expected standard deviation of a weighted composite portfolio?

So my questions asks me to determine the expected standard deviation for a weighted composite portfolio, but I have no idea what equation to begin with. I have answered A, but B I am lost. Here is ...
632 views

### Why does =googlefinance() return a different open and close value on a non trading day

I'm using google finance in one of my sheets and it is returning slightly different values for open and close when stocks are not traded on that day. eg. sunday =INDEX(GoogleFinance("AMZN", "open", ...
720 views

### Is this how you do Currency Conversion in excel?

CHF (Swiss Franc Currency) USD (U.S. Dollar) 0.976 CHF = 1 USD 1.025 USD = 1 CHF I have to convert 14,603.39 USD into CHF on Excel. I basically took: \$14,603.39 * 0.976 to get CHF 14,252.906 ...
272 views

### Google Sheet formula for annualized returns - doubts

I'm trying to setup a calculator in google sheets where I calculate the future value of investing for example: a principal of 10.000 into which I deposit 1.000 every month the investment doesn't give ...
743 views

### Monthly Compound Interest calculation

I am terrible at finance and math so this really hurts my brain but I want to work out the compounding monthly interest for an initial amount over x days. For example I have \$1500 over 95 days at 10%....
46 views

### What is the formula to use to calculate future value of certain money on a certain month from today?

I have an excel sheet like below - In one cell (B1), I would mention the principal value, PV (for which I want to know future value at different point of time). And inflation rate, r, in another cell ...
110 views

### What is the formula for calculating the months till pay off of a credit card that includes the APR?

I'm playing around in Excel attempting to get the total months to pay off a credit card. I'm not looking to pay off by a certain date. I just want to know how long it will take me to pay off what I ...
162 views

### Calculate value of investment with variable interest + periodic payments (Excel/Google Sheets)

I know about FV and FVSCHEDULE but how do I combine them? Say I make monthly payments into an account with a variable interest rate ... how do I calculate future value? Or do I have to build out the ...
123 views

### IRR calculation with Initial Investment disbursed on two years

In my case, I think: Numbers say more than words. So, I've simplified the financial situation in this image: Here is the Excel file. How to calculate the Internal Rate of Return (IRR) with such a ...
70 views

### tracking a portfolio's annualized return

I’ve created a spreadsheet that analyzes the total return of my portfolio in various ways. Among the metrics: A graph that tracks the annualized rate of return. For example a year ago the portfolio ...