Financial Calculations with the Future Value (FV) Spreadsheet Function

Updated on September 26th, 2023
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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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  46. 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.

  47. 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: drkachispellcastATgmail. com his Text Number Call: +1 (209) 893-8075..

  48. 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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  50. 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 ….

  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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  53. 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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  55. 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 OR Contact his Website: https://drkachispellcast0.wixsite.com/my-site

  56. Get your ex Love back with the help of a real spell caster who saved my marriage.
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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

  58. 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

  59. I am very happy to share this great testimonies, The best thing that has ever happened in my life is how I won the lottery euro million mega jackpot. I have always believed that one day I will win the lottery. Finally my dreams came true when I emailed Dr Donald and told him I need the lottery numbers. I spent so much money on tickets just to make sure I won, but I never knew that winning was so easy until the day I meant the spell caster online which so many people have talked about that he is very great at casting lottery spells, so I decided to give him a try. I contacted this great Doctor and he did a spell and gave me the winning lottery numbers. But believe me when the draws came out I was among the lucky winners, winning 5 million Dollars. Dr Donald you are truly the best, with this great spell caster you can win millions of money through the lottery. I am so very happy to meet this great man, I will be forever grateful to you Dr Donald,if you are out there looking for his help, you can reach him by his contact below.

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  60. Good day to all viewer online, my name is Albert Walker I am so overwhelmed sharing this great testimony on how i was checking for solution in the internet while miraculously i came across Dr Kachi who brought my ex Girlfriend back to me, This is the reason why i have taken it upon myself to thank this great spell caster called Dr Kachi, because through his help my life became more filled with love and i am happy to say that my ex Girlfriend who has been separated from me for the past 2years came back to me pleading for me to accept her back, This was a shocking to me my partner is very stable, faithful and closer to me than before, because before i contacted Dr Kachi i was the one begging my ex Girlfriend to come back to me but through the assistance of Dr Kachi, I now have my relationship restored. You can also have a better relationship only if you Contact Dr Kachi Email: drkachispellcast@gmail.com You can reach him Call and Text Number:+1 (209) 893-8075

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  62. HOW I GOT MY HUSBAND BACK WITH THE HELP OF PRIEST WISDOM CONTACT ON WHATS_APP NUMBER +2348124644470

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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

  64. DR ISIKOLO is none to be compared in regards to having solutions to your relationship or marital problems. My name is Claudia Dirk. I have been battling with depression for a very long time knowing it’s as a result of heartbreak when my boyfriend left me for another lady. I never knew he took the decision to be gone from me until months passed and I was unable to reach him. I had to contact DR ISIKOLO when I heard about him. He told me all that was needed to be done to restore the love and connections between me and my man which he did. The result started manifesting after 48 hours as he promised. This may sound weird but it is 100% true that he does not fail anyone. Worry no more and contact him now. email: isikolosolutionhome@ gmail.com or text him via WhatsApp +2348133261196. His website as well (https://isikolotemple.com)

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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 .

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