Financial Calculations with the Future Value (FV) Spreadsheet Function

Updated on September 26th, 2019
96

Physicians are notoriously averse to math. From acid-base calculations in general chemistry to memorizing Winter’s Formula for USMLE Step 1 and the clinical wards, many physicians dread math.

There are even medical calculator websites and apps that help you do basic calculations that we encounter in day-to-day medicine.

However, a cursory ability to “run the numbers” is critical to setting and meeting your financial goals, especially if you don’t want to use the services of a financial advisor.

If you can use a calculator, then you can calculate these important financial functions. Leave the nitty-gritty of learning how to hand-calculate these functions to the finance majors.

Calculations using the future value function

Anyone who wants to do their own investing should be familiar with the future value function. It is a quick way to run basic calculations about compound interest.

You can build complicated spreadsheets or use fancy software to more precisely do these types of calculations, but the simple future value function can get you a ballpark answer.

The future value function is available on most spreadsheet programs, including Microsoft Excel and Google Sheets.

Google Sheets Future Value (FV) Function

Google has online spreadsheet software with most of the functionality of Microsoft Excel, including the future value function.

To use the future value function, simply type =FV( into any cell of the spreadsheet.

Once you type in =FV(, Google Sheets knows you are trying to calculate a future value function and guides you right along each step of the way:

Let’s run through the variables in the future value function, one-by-one:

Rate

This is the interest rate (either that you will pay, or you will receive if you are investing). Always use a positive value for this number. If you are planning for monthly payments, then you should divide this number by 12 (this is a good approximation, but your answers might be slightly off as the calculator now assumes monthly instead of yearly compounding).

Number of Periods

This is the number of periods in the future value calculation. In most cases, this value will be in years or months. Remember to use the same units for the number of periods and the interest rate. For example, if you are using months for your calculations, then don’t forget to divide the annual interest rate by 12.

Payment Amount

The payment amount. Both Microsoft Excel and Google Sheets want this number to be negative when you are paying out money (e.g. mortgage payoff, student loan payoff, investing), and positive when you are receiving money (e.g. annuity payments, Social Security payments).

Present Value

This is the starting value. Use positive numbers for loans (e.g. student loans, mortgage), and negative numbers for net worth calculations (e.g. retirement calculations). If you are currently at a negative net worth, you should input a positive number (i.e. 250,000 if you are 250,000 in debt).

End or Beginning (optional)

This optional variable determines whether the payment is due at the beginning or the end of a period. Use 0 for end of the period and 1 for beginning of the period.

Microsoft Excel Future Value (FV) function

Microsoft Excel has a freely available online version, which you can use even if you don’t have the desktop version.

To use the future value function, simply type =FV( into any cell of the spreadsheet.

Once you type in =FV(, Microsoft Excel knows you are trying to calculate a future value function and guides you right along each step of the way:

The order of the variables is the same as in Google Sheets.

Example Problems

Student Loan Payback

Dr. A finishes residency with $250,000 in debt at an interest rate of 5%. She plans to spend $50,000 at the end of each year to pay the money back. Will she be able to pay off her loans in 6 years?

  • Rate: 5%
  • Number of Periods: 6 (years)
  • Payment Amount: -50,000 (remember it is negative when you are paying money)
  • Present Value: 250,000 (remember that this number is positive for loans)
  • End or beginning: 0 (zero for end, one for beginning)

= FV (5%, 6, -50,000, 250,000, 0)

= $5,071.73

Because this is a positive number, it means she will be able to pay off her student loans in 6 years.

Investing For Retirement

Dr. B finishes residency with $200,000 in debt. She plans to save $60,000 a year (20% of her $300,000 income) at the end of every year for 30 years. Assuming an investment return of 8%, what will be her net worth in 30 years?

  • Rate: 8%
  • Number of Periods: 30 (years)
  • Payment Amount: -60,000 (remember it is negative when you are investing money)
  • Present Value: 200,000 (remember that this is positive when you have a negative net worth)
  • End or beginning: 0 (zero for end, one for beginning)

= FV(8%, 30, -60000, 200000,0)

= $4,784,461.29

The Effect Of Fees

Dr. C is in the same situation as Dr. B (finishing residency with $200,000 in debt, wants to save $60,000 a year for 30 years at 8% return in the stock market). He wants to know the effect of paying 1% in fees (7% return instead of 8% return). How much less will Dr. C have if he earns 7% on his investments instead of 8% on his investments?

= FV(8%, 30, -60000, 200000,0) – FV(7%, 30, -60000, 200000,0)

= $639,265.12

That’s a lot of money being transferred from Dr. C’s portfolio to his investment manager.

Example Calculator

Maybe you just don’t want to have to type in the variables yourself in a spreadsheet function. In that case, I went ahead and made a simple spreadsheet that will run the future value function for you. Bookmark this page for future reference whenever you want to run some numbers.

Conclusion

The future value function is a way to quickly do compound interest calculations using a basic spreadsheet. It’s as easy a typing a single function in7 a spreadsheet like Microsoft Excel or Google Sheets. However, if you want to just type in numbers like an online calculator, feel free to use the spreadsheet I’ve made above to run your numbers.

What do you think? Do you use the future value function to do compound interest calculations?

Poll: Dr. D finishes residency with $300,000 in debt. He wants to invest $80,000 at the beginning of each year for the next 30 years at a 7% return. What will be his net worth in 30 years?

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  51. Hello my name is Vivian Marcus from the United State, i’m so exciting writing this article to let people seek for help in any Break up Marriage and Relationship, Dr Kachi brought my Ex Boyfriend back to me, Thank you Sir Kachi for helped so many Relationship situation like mine to be restored, i was in pain until the day my aunt introduce me to Dr Kachi that she got her husband back with powerful love spell with help of Dr Kachi So i sent him an email telling him about my problem how my Boyfriend left me and cheating on me because of her boss lady at work i cry all day and night, but Dr Kachi told me my Boyfriend shall return back to me within 24hrs and to me everything he asked me to do the next day it was all like a dream when he text me and said please forgive me and accept me back exactly what i wanted, i am so happy now as we are back together again. because I never thought my Ex Boyfriend would be back to me so quickly with your spell. You are the best and the world greatest Dr Kachi. if you’re having broke up Ex Lover or your husband left you and moved to another woman, You do want to get Pregnant do not feel sad anymore contact: drkachispellcast@gmail.com his Text Number Call: +1 (209) 893-8075 You can reach him Website: https://drkachispellcast0.wixsite.com/my-site


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  57. My name is Natasha Thompson from the USA/Texas.. Am so overwhelmed with gratitude to let the world know how Dr Kachi, the great spell caster changed my life for good. It all started when I lost my job and I was down financially and emotionally because I couldn’t be able provide for my two kids and staying home all day Jobless it’s not easy until I was checking on the internet when I saw a series of testimonies hearing people winning the Powerball lottery, I didn’t believed, but being poor no job you have no option. I gave it a try and I contacted Dr Kachi who told me what i have to do before I can become a big lottery winner and I accepted. He made special prayers for me in his temple and gave me the required numbers to play the lottery game and when I used the numbers to play it, I won a massive $344.6 million Powerball jackpot. I was so happy and I choose to review my winning in any platform, I would love other people to seek help from Dr Kachi through WhatsApp and Call: +1 (209) 893-8075 or email drkachispellcast@gmail.com by his website: https://drkachispellcast0.wixsite.com/my-site

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  63. i want to share to the whole world how Dr Kachi the Great of all the Spell Caster, that helped me reunite my marriage back, my Ex Husband broke up with me 3months ago, I have been trying to get him back ever since then, i was worried and so confused because i love him so much. I was really going too much depressed, he left me with my kids and just ignored me constantly. I have begged him for forgiveness through text messages for him to come back home and the kids crying and miss their dad but he wont reply, I wanted him back desperately. we were in a very good couple and yet he just ignores me and get on with his life just like that, so i was looking for help after reading a post of Dr Kachi on the internet when i saw a lady name SHARRON testified that Dr Kachi cast a Pure love spell to stop divorce. and i also met with other, it was about how he brought back her Ex lover in less than 24 hours at the end of her testimony she dropped his email, I contacted Dr Kachi via email and explained my problem to Dr Kachi and he told me what went wrong with my husband and how it happen, that he will restored my marriage back, and to my greatest surprise my Ex husband came back to me, and he apologized for his mistake, and for the pain he caused me and my children. Then from that day our marriage is now stronger than how it was before, Dr Kachi you’re a real spell caster, you can also get your Ex back and live with him happily: Contact Email drkachispellcast@gmail.com his Text Number and Call: +1 (209) 893-8075 his Website: https://drkachispellcaster.wixsite.com/my-site

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  69. It’s a privilege to share this to the world. You deserve all the praise that comes to you. DR HERRY has been a blessing to me since our encounter on the internet. He alone knows it all. I love him so much for his kindness, care, honesty and his help in the life of everyone that has come in contact with him. If not for DR HERRY how would I have been able to survive this hardship. His spell made me a LOTTO MAX winner of 180Million Dollars making my whole life beautiful and amazing. The numbers he gave me to play the lottery was a life changing number from grass to grace and I want to say I’m forever grateful to him. Thank you sir for being a blessing to the helpless. Anyone reading this that needs help can communicate with DR HERRY online for indeed he has no match. Contact him on is WhatsApp number+2347045451476 or is email DrHerry189@gmail.com or visit is Facebook page https://www.facebook.com/DrHerry-102339232327182/

  70. i want to share to the whole world how Dr Kachi the Great of all the Spell Caster, that helped me reunite my marriage back, my Ex Husband broke up with me 3months ago, I have been trying to get him back ever since then, i was worried and so confused because i love him so much. I was really going too much depressed, he left me with my kids and just ignored me constantly. I have begged him for forgiveness through text messages for him to come back home and the kids crying and miss their dad but he wont reply, I wanted him back desperately. we were in a very good couple and yet he just ignores me and get on with his life just like that, so i was looking for help after reading a post of Dr Kachi on the internet when i saw a lady name SHARRON testified that Dr Kachi cast a Pure love spell to stop divorce. and i also met with other, it was about how he brought back her Ex lover in less than 24 hours at the end of her testimony she dropped his email, I contacted Dr Kachi via email and explained my problem to Dr Kachi and he told me what went wrong with my husband and how it happen, that he will restored my marriage back, and to my greatest surprise my Ex husband came back to me, and he apologized for his mistake, and for the pain he caused me and my children. Then from that day our marriage is now stronger than how it was before, Dr Kachi you’re a real spell caster, you can also get your Ex back and live with him happily: Contact Email drkachispellcast@gmail. com his Text Number and Call: +1 (209) 893-8075 .

  71. ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP FOR COMPLETE RECOVERY.

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  72. TRACE AND RECOVER YOUR LOST CRYPTO THROUGH ULTIMATE HACKER JERRY.

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    Last year I stumbled across a cryptocurrency platform Advertisement online and I felt compelled to watch them since I had little knowledge of how profitable cryptocurrency is. I was immediately intrigued by it and decided to invest with the investment firm., on my first trial, I deposited $113,000 to the platform.My profit had accumulated so quickly after 48hrs that I became more interested and decided to add $215,100 to my initial investment.on attaining my profit target I requested for withdrawals. This company then began asking for more funds to activate my withdrawals.This made me suspicious, so I decided to consult a Crypto Expert. I came across Ultimate Hacker Jerry who advised me that I had been scammed but was also an Expert in Crypto Recovery Services. This expert Ultimate Hacker Jerry was able to recover all my Crypto a total of $328,100.I must recommend this erpert to any Scam victim that has been defrauded and have your Crypto recovered back by Ultimate Hacker Jerry.

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  73. Good day everyone. I’ve always played lottery games with the hope that someday I will win but that never happened. I did some research online and I came across an advert about Dr Amber who helps people that believe in his work. I explained my situation to him and he prepared a lottery spell for me and gave me some special digits to play the lottery. I did as he said without any skepticism and could you believe that after 3 days, I checked my ticket at a store where I bought it from and for the very first time in my life, I won the sum of £30,820,000 MILLION POUNDS. Now my life has changed for good, I am a boss of my own and I am so happy that I meant this great man called Dr Amber. You can be a boss of your own too by getting in touch with him. For urgent response from Dr Amber, send a WhatsApp text or call to +1 409 241 8060 or send an email to; amberlottotemple@gmail. com

  74. LOOKING FOR HELP TO GET YOUR EX BACK TO YOU, CONTACT DR ISIKOLO NOW Website: (https://isikolotemple.com)
    My name is Kara Harvey. Out of the abundance of joy my heart speaks highly of DR ISIKOLO. He came to my rescue when my life was ruined for months. My lover left me for another lady and little did i know he was mind controlled and hypnotized. I did all I could to make him return back to me but all to no avail. He left the city with the lady and I never heard from him or even saw him again. I went in search of help online when I read about how DR ISIKOLO helped other women that had the same problems. I contacted him and he told me all that needed to be done, which I complied. Just as he promised, the love and happiness I shared with my partner was restored and he was cleansed from the dark charm they placed on him and returned back to me after 48 hours. DR ISIKOLO is honest in helping people and he can help you to if you decide today to contact him. His email contact: isikolosolutionhome@ gmail. com You can also WhatsApp him on +2348133261196.

  75. About 2 months ago my husband was convinced on Facebook to invest in a crypto investment that projected a huge profit in only few weeks. He went ahead and put in about $ 352, 000 worth of BTC. After waiting for more than a month and still nothing happen, it was apparent he had been sc^mmed. He approached me and explained everything to me. This really made me sad. I looked online and all the information I was getting says the BTC is gone. I met with my younger sister a few days later and explained to her and that is when she introduced me to a hacker named ‘REFUND POLICY’ whom she had known since her college days. I was reluctant at first to contact this hacker as I did not believe the situation was repairable, but it only took them less than 48hrs in recovering our BTC. It was like a miracle, I will forever be grateful to REFUND POLICY and that is why I am putting their contact details here in case anyone here need their services, they can also help you investigate your cheating partner. Email: refundpolicy82@ gmail dot com
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  76. Thanks to EthicsRefinance, I was able to recover a whopping $78,000 worth of bitcoin which had been lost due to a fraudulent investment scheme. Their expert team of analysts and investigators went above and beyond to track down the culprits and retrieve my stolen assets. Not only did they help recover my funds but they also provided me with valuable advice on how to safeguard my assets from future scams. Thanks to EthicsRefinance, I can now sleep peacefully at night knowing that my hard-earned assets are in safe hands. Highly recommended!
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  77. THANK YOU DR ISIKOLO COMING TO MY RESCUE AT MY WORST MOMENTS. His website: (https://isikolotemple.com)
    My husband and I have been battling marital issues for the past 6 months and little did I know the family was the brain behind the problems we ever had. The issues escalated and he eventually moved out of the house. I was alone with my daughter and life was miserable without him by my side. I did all I could to end the problems but to no avail. So I had to seek help which led me to contacting DR ISIKOLO. Just as I have always wanted, he heard my cry and came to my aid. He resolved the problems we had and my husband and I came back together and it still amazes me when I get the result in 2 days as he promised. If you are having issues with your partner, contact him now and he won’t fail you as well because he is trusted and reliable. email him: isikolosolutionhome@ gmail. com or text him via WhatsApp: +2348133261196

  78. This is one of the very few reviews I’ve ever written as I only take time to review a product/service when I get extremely satisfied even beyond expectations…and this’ exactly how I feel right now writing this after being able to recover completely all the money I thought I had lost when I mistakenly sent $50,000 worth of BTC to a wrong recipient. I later got introduced to daniel meuli Recovery by an associate and to my greatest surprise, they were able to retrieve my money in a very professional method. I can guarantee anyone who had lost money either by sending to incorrect wallet address or intentional theft, to contact daniel meuli Recovery for a solution. They can be contacted through: Danielmeuliweberecovery @ email . come

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  80. FINALLY I GOT MY LOST BITCOIN BACK ALL THANKS TO CRYPTO RECOVERY WIZARD.
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  81. Long are the days of hopelessness after losing your precious bitcoin, a ray of hope in the very dark world of uncertainty of bitcoin recovery has come to an end all thanks to motivfunds Recovery, a proven reliable hacker for all your complex bitcoin problems, while on the verge of trading I lost my bitcoin falling into the trap of scammers promising humongous returns,I was devastated almost losing all hope of ever getting back my bitcoin,I started by researching on how I could possibly recover my lost bitcoin I went through several websites doing background research from different feeds and I couldn’t help but notice Motivfunds Recovery popping up distinctively on different platforms in regards to recovery,Well I made contact and after thorough consultation and inquiries from motivfunds Recovery with professionalism and affirmation they took me through the journey of finally recovering my lost bitcoin,I still can’t fathom how they did it but they did it in a tremendous way.If you have a problem with recovering your lost bitcoin Contact motivfundsrecovery@gmail com for your assured recovery.

  82. HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/

  83. Hello everyone am Victoria Jones, am here to share a great testimony on how Dr Wealth transformed my life financially, i still finds it difficult to believe that i now worth millions of dollars, i have been playing lottery game for so long and i have never win any reasonable amount of money, i was doing some research online about lottery game and i came across a testimony of a woman who won a very huge amount of money on lottery game through the help of Dr Wealth who predicted a winning game for her to play, and surprisingly she won a huge amount of money 19.5million dollars, so i also contacted Dr Wealth and asked him for help he told me what i needed to do which i did and on the second day after he had cast the spell for me he gave me some sure numbers to play so i went to play the numbers so on Tuesday the result came out and i went to check there i got the shock of my life, i saw my names amongst the winners i won an amount i have never dreamed of in my life, my mouth was open and i didn’t know what to say that was how my life changed financially i just want the world to know that there is a great spell caster called Dr Wealth if you have been playing lottery game and you have never won i will advice you to contact Dr Wealth for help and i promise you your story will change, you can email him at drwealthmag@gmail. com you can also WhatsApp him on +12184533734

  84. I WAS ABLE TO RETRIEVE MY STOLEN BTC & USDT WITH THE ASSISTANCE OF WALLDRIVE CYBER SECURITY SERVICE.

    I’m here to recommend Walldrive Cyber Security Service for your Bitcoin, crypto, and other digital asset recovery. This company was able to help my colleague and me recover all my crypto that was hacked from our blockchain wallet in less than 3 working days. I want people to do enough research on the crypto market before investing in it. I don’t know how the fake investment officer got access to my blockchain wallet and stole the sum of $977,000 worth of Bitcoin and ETH funds. This incident drained me mentally, and if I had done enough research, I would not have fallen into their trap. Fortunately, I was able to come across Walldrive Cyber Security Service after searching the Internet and seeing wonderful reviews about their service and their capabilities in recovering crypto. I’m grateful for their support and their professionalism in helping me get back my stolen crypto. If you have encountered problems like mine, you can contact Walldrive Cyber Security Service at 

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  85. Hello everyone am Victoria Jones, am here to share a great testimony on how Dr Wealth transformed my life financially, i still finds it difficult to believe that i now worth millions of dollars, i have been playing lottery game for so long and i have never win any reasonable amount of money, i was doing some research online about lottery game and i came across a testimony of a woman who won a very huge amount of money on lottery game through the help of Dr Wealth who predicted a winning game for her to play, and surprisingly she won a huge amount of money 19.5million dollars, so i also contacted Dr Wealth and asked him for help he told me what i needed to do which i did and on the second day after he had cast the spell for me he gave me some sure numbers to play so i went to play the numbers so on Tuesday the result came out and i went to check there i got the shock of my life, i saw my names amongst the winners i won an amount i have never dreamed of in my life, my mouth was open and i didn’t know what to say that was how my life changed financially i just want the world to know that there is a great spell caster called Dr Wealth if you have been playing lottery game and you have never won i will advise you to contact Dr Wealth for help and i promise you your story will change, you can email him at drwealthmag@gmail. com you can also WhatsApp him on +12184533734

  86. I contracted herpes from my Ex boyfriend, we broke for this reason because he left to be with another girl, i still loved him despite what he did to me, i tried to get him back but up to no avail, i told my friend then she referred to a relationship specialist, i contacted him and told him my problem, he assured me that everything will be alright in no time, i did not believe at first, i gave him a try, behold!!, after 48 hours, my boyfriend came back begging me to give him a second chance, which i gladly did, we came together, he now loves me more than before, this is a miracle, unbelievable, The relationship specialist told he also have holistic remedies for several diseases, i opened up to him, believing he will be of help, He sent me a herbal med. I received this herbal medicine, he gave me instructions on how to use it, after taken the medicine as instructed, i went for check up and the result came out negative and i was cured of this deadly disease within 2 weeks, I am now free from Herpes. and i can tell you now that i am living testimony,. if you have any health issues or you want to restore your relationship, i will advice you to contact [ [Robinsonbuckler11@gmail.com]]…………

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