excel - Excel：每月存款的复利公式，存款每年都在增加

Question

简而言之，我想知道如何获得此页面上的功能：在 Microsoft Excel 中。

我尝试使用 FV 功能，但似乎不支持每年增加付款。

付款的增加可以用百分点（如链接到的页面）甚至每年固定金额（如“每年增加 10000 存款”）来指定。

插图：
第一年：

Monthly Deposit: 5000
No. of deposits in a year: 12
Interest rate: 10%
Interest compounded quarterly
Total deposited during the year: **60000**
Interest earned in first year: **3323**

第二年：

Amount carried forward from first year: **603323** (principal + Interest)
Monthly Deposit: 5500 (increased by 10% or increased by a fixed value of 500 every year)
No. of deposits in a year: 12
Interest rate: 10%
Interest compounded quarterly
Total deposited during the year: 66000
Interest earned during year: 13552 (large, because we started the year with seed value from previous year)

等等...

FV 函数为我提供了第 1 年的正确值，但我无法找到一种方法来推断它以每年增加投资。

Answer 1

I don't know how to do the quartlerly interest, it may be because I using excel 2003. I have a solution for a monthly compound that you should be able to modify. The formular in cells b10 is =FV($B$2/12, $B$3, $B$4+A9*$B$7, -$B9,$B$6) to add extra years put the year number in column A and copy and paste the formular in column B. It takes the previous years result as the pv and adds the value iin B7 to the payment rate for each additional year.