I want to revisit the post I wrote earlier in the month called “Payment Required to Earn “X” IRR”. The reason I want to revisit it is because when I said any cash flow can be changed, I meant any . I think this spreadsheet calculator can come in handy in a number of ways. Lets say your firm is […]

I have tried to stay away from VBA calculations for my Excel spreadsheets, principally because my programming does not have the polished look of a good programmer. Programming in VBA for me was self taught, and based on the “Basic” programming language I learned in the 70’s. Enough excuses. Download Excel spreadsheet :”MSR“ There are times when […]

What I mean by “All Variable” is that in previous spreadsheets I included options to make certain variables change throughout the term of the loan. This amortization schedule combines those options into one model. Why have I done this, you say. The answer is because it is my blog, and I can. No other reason that […]

Why do I seem obsessed with amortization schedules?  I  think they make it easier to understand other calculations. In this spreadsheet we will consider the relationship between the Excel XIRR() function (Internal Rate of Return), Present and Future Values, and of course an amortization schedule. The first thing to discuss is the difference between APR (Annual Percentage Rate) and APY […]

Back in December 2014 I wrote a post called “Solve For Last Payment Due“. The idea being that if you wanted to earn a certain return, you could easily calculate with a formula, the final payment required for you to earn that return on the last payment date. That seemed to me to be a useful calculator […]

Back in Oct. 2014, I posted a spreadsheet that calculated the present and future values of a cash flow with even periods and uneven cash flows. I thought I might expand on that spreadsheet by adding a few ways to proof the answers you get using the calculator. These are the formulas used for the […]