PV & FV of Periodic Uneven Cash Flows & Rates

I am just fooling around with cash flows at this point. My last post was “PV & FV of Periodic Uneven Cash Flows, where I showed an easy way to enter cash flows that changed for different periods of time. I thought it might save time over entering all the cash flows separately. I am not going into details about this spreadsheet (UnevenPlusRate). Go back to “PV & FV of Periodic Uneven Cash Flows” for more information about calculations. Let me know if you see any errors, as I am making these cash flow calculation up as I go along and not testing them.

In this post I have taken it one step further and added a change in rate each time the amount and term changes. I am not sure what it can be used for in real life problems, maybe discounting an annuity that changes payouts, by the forward yield curve?

UnevenPlusRate1

I have also added a cash flow that takes the data entered in the yellow input cells and populates an actual individual cash flow and calculates the present and future values, as a proof of the original calculations:

UnevenPlusRate2

Download “UnevenPlusRate

All spreadsheets are created in Excel 2013

Don Pistulka
Don Pistulka

Retired Credit Union CFO - Finance
Background: over 40 years in investments, asset/Liability management, banking, securities trader.
Worked for: California Credit Union, WesCorp, CalFed S&L, Crocker Bank, Carroll McEntee, Federal Home Loan Bank Board (D.C.), Western Asset Management, Security Pacific National Bank.

4 Comments

  1. Dear sir,
    Can you please draw or mail me amortization table for flat interest rate in excel.
    Loan amount=1400000
    Flat Rate=11%
    Tenure=65(month)

    I needed for flat rate case only in excel.
    please provide me excel table as soon as possible.

    1. Thank you so much sir for giving me the appropriate example regarding flat rate case…

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