PV returns the present value of an investment. NPER calculates the number of payment periods for an investment based on regular, constant payments and a constant interest rate. PMT calculates the payment for a loan based on constant payments and a constant interest rate. Excel formulas and budgeting templates can help you calculate the future value of your debts and investments, making it easier to figure out how long it will take for you to reach your goals. Managing personal finances can be a challenge, especially when trying to plan your payments and savings. Excel for Microsoft 365 Excel for Microsoft 365 for Mac Excel for the web Excel 2021 Excel 2021 for Mac Excel 2019 Excel 2019 for Mac Excel 2016 Excel 2016 for Mac Excel 2013 Excel 2010 Excel for Mac 2011 Excel Mobile More.
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