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I devised this schedule to predict what my future investments would be worth. The typical Future Value calculation involves taking today’s account balance, applying an interest rate and the number of periods for compounding.
That’s great if you are working with only one balance at one given time.
Because I make regular deposits into my investment accounts, I wanted to increase the balances at different intervals. I created quarterly segments where any additional investment can be entered. The formula will take the new end-of-quarter balance and apply the compounding. This repeats for all quarters.
The yellow fields are the input fields. The investment account balances can be entered at the top left. You will see the entire schedule update as soon as an investment balance is entered. Amounts can be entered in all the “Cash Invested” fields.
At the end of the schedule, I calculate a cash flow amount based on the final balance. I have used a conservative 3.5% return. Below, I have a short list of estimated living expenses. Both cash flow and living expenses can be calculated on a monthly or annual basis.
If you’re good at Excel, you change alter the rates and add rows for additional years. Let me know what you think of the schedule. I hope you find it useful.