Ask Eijaz — the quick brown fox.
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3 articles
Most amortization tables are a fragile ladder of copy-down formulas that shatter the moment you insert a row. Here's the classic PMT/IPMT/PPMT build, and the Excel 365 dynamic-array version that spills the whole schedule from a single cell — plus a free workbook.
Excel's NPV function quietly assumes your first cash flow lands one full period in the future — so it discounts the whole project by an extra period and hands you a number that's off by thousands. Here's the classic fix, the XNPV/XIRR way for real dates, plus a free workbook.
VLOOKUP hands the whole amount one flat rate. Graduated commission, tax brackets and bulk pricing need marginal math instead — here's the fix, the old-school way and the shiny 365 way, plus a free workbook.