Excel Loan Amortisation requiring modifications to accommodate Inflation Rate

The existing Loan Amortisation spreadsheet requires some modifications to correctly accommodate Inflation Rate being applied by the user. There is currently an Inflation Rate column which should be locked but allow the user to enter the Inflation Rate on the previous calendar year in a separate field(s) per year.

1. Need to be able to enter a new inflation rate starting January and July for every year of the term.

2. Need to consider how best to do this because we could either have a cell available for every year, up to 25 years with two cells per year, or else we could have a facility to select the date range and enter the Inflation rate %

3. The calculation method also needs to change - being inflation the % needs to be calculated based on the last payment, rather than the first. So an example:

With current version:

Inflation 10%, repayment $450 per month

Year one repayment = $450 + $45

Inflation 15%, repayment $450 per month

Year two repayment = $450 + $67.5

Should be:

Inflation 10%, repayment $450 per month

Year one repayment = $450 + $45

Inflation 15%, repayment $450 per month

Year two repayment = $450 + $74.25

In addition extra bonus will be paid for any suggestions for improving the spreadsheet, either graphically or technically.

Taidot: Excel

Näytä lisää: january is month, rate change, change of rate, repayment, excel calculation, excel 2013 version, spreadsheet loan repayment, last payment, amortisation, year date column, example excel loan repayment, loan repayment spreadsheet date payment, modifications excel, excel spreadsheet loan repayment, loan repayment spreadsheet excel, best rate, loan payment year, excel spreadsheet field, excel year calendar, excel loan repayment spreadsheet, repayment spreadsheet, loan repayment spreadsheet, inflation, loan questions excel, payment loan

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