Zoho Sheet

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Future Value of an Investment Assuming Periodic Monthly Additions				Value, Nominal, Beginning of Period	Value, Nominal, End of Period	Value, Real, Beginning of Period	Value, Real, End of Period
What is your expected mean annual rate of return? For example, if it is 8%, enter as .08	0.08		1	$7,179.17	$7,145.97	$7,027.38	$7,007.53
What is the expected inflation rate over the time of the investment? For example if it is 3% enter as .03	0.03		2	$12,788.21	$12,719.05	$12,304.31	$12,263.62
How many monthly payments will you make?	360		3	$18,862.79	$18,754.70	$17,843.19	$17,780.61
How much will you invest monthly (enter as a negative value)?	-$400.00		4	$25,441.56	$25,291.30	$23,657.00	$23,571.47
If you already have an investment, what is its value (enter as a negative value)?	-$2,000.00		5	$32,566.37	$32,370.43	$29,759.40	$29,649.77
			6	$40,282.54	$40,037.13	$36,164.72	$36,029.78
Your Nominal Rate of Return is	0.08		7	$48,639.14	$48,340.17	$42,887.98	$42,726.50
Your Real Rate of Return is	0.0485		8	$57,689.33	$57,332.35	$49,944.98	$49,755.62
Compare total value when you invest at beginning versus end of each monthly period	Total if invested at beginning of each month	Total if invested at end of each month	9	$67,490.69	$67,070.87	$57,352.27	$57,133.66
Your total investment assuming a nominal rate of return is	$621,989.53	$618,015.24	10	$78,105.55	$77,617.69	$65,127.26	$64,877.94
However, when inflation is considered your total investment is	$333,947.05	$332,636.04	11	$89,601.44	$89,039.90	$73,288.18	$73,006.63
			12	$102,051.49	$101,410.13	$81,854.19	$81,538.81
			13	$115,534.88	$114,807.09	$90,845.41	$90,494.52
			14	$130,137.39	$129,316.00	$100,282.94	$99,894.78
			15	$145,951.90	$145,029.13	$110,188.94	$109,761.65
			16	$163,079.01	$162,046.45	$120,586.65	$120,118.30
			17	$181,627.65	$180,476.19	$131,500.49	$130,989.03
			18	$201,715.83	$200,435.60	$142,956.07	$142,399.37
			19	$223,471.31	$222,051.63	$154,980.29	$154,376.11
			20	$247,032.49	$245,461.77	$167,601.38	$166,947.34
			21	$272,549.24	$270,814.95	$180,848.95	$180,142.60
			22	$300,183.86	$298,272.43	$194,754.12	$193,992.85
			23	$330,112.14	$328,008.86	$209,349.52	$208,530.60
			24	$362,524.46	$360,213.40	$224,669.41	$223,789.98
			25	$397,626.98	$395,090.91	$240,749.75	$239,806.82
			26	$435,642.99	$432,863.23	$257,628.30	$256,618.71
			27	$476,814.32	$473,770.64	$275,344.67	$274,265.11
			28	$521,402.84	$518,073.34	$293,940.46	$292,787.45
			29	$569,692.19	$566,053.14	$313,459.31	$312,229.22
			30	$621,989.53	$618,015.24	$333,947.05	$332,636.04
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