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# Bank Interest Calculator

## I'm an amateur to macro as I'm only in a low level class at a university... But I'm attempting to make a macro for a bank interest calculator. It asks your type of account(which then assigns an interest rate to it), how much money is in the account, and also how long th emoney will be in the account. I used a "Select Case" for the account types, but I seem to be struggling for it to work, it won't put the value of the total into the assigned cell, or it's just not computing it(as I get "0" each time I run it)... Public Function BankCalculator() 'Bank Calculator for different accounts 'declare variable Dim shtBank As Workbook, strAct As String, intMon As Integer, strLong As Integer, intTotal As Double Set shtBank = Application.Workbooks("Bank Calculator.xls") 'input box for amount of money, assign address intMon = InputBox(prompt:="How much money do you currently have in the account?", _ ......................................

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UK Bank Holiday Calculator
I found a link to a website on one of the forum pages. I had a look in the website and it showed a formula for calculating when Easter falls - I didn't know it could be worked out, but it can!!

I therefore decided to investigate further. I picked up another formula to calculate the first MOnday in May and I have now put together a little spreadsheet that will calculate all bank holidays in the year entered in cell B1. It also takes into account additional bank holidays that exist when Christmas Day and/or Boxing Day fall on a weekend.

Cell Lock, Interest Calculator Formula
1. Can I lock particular cell If Yes,How? I want to lock cells which contains formulas.

2. If cell K7 shows 11 I want to see G11 in H9. Same if Cell K7 shows 201 I want to see G201 in H9.

Its a interest calculation sheet where K7 is number of days amount invested and COLUMN G shows interest accured.

Game Points Bank Account (running Total For The Bank)
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i have a "Game Points Bank Account" that keeps track of the points users earn or spend in the game...what i need help is creating a running total for the bank..ive tried everything nothing works..

(this is actually like a traditional bank account)

each player starts with 10,000 points

*Row 8 is the only row to have formulas*

*Rows 9-11 are typed in to show my desired results*

Here is the point value "Ranking System" for Column T

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Insert Bank Rows After Each Occurences
I want to insert two blank after each broker. I am copying each broker's information to another spreadsheet. each broker information may take several rows...after copy one broker information, I want to automatically insert two blank rows...how can I do that in VBA excel?

Find Specific Withdraw Entries From Bank Statements
I use online banking for paying my monthly bills. I get different confirmartion for each pay transection. Pls look attached Excel file. Now I want to find specific bills expense with amount from all my 12 months bank statements. How can I get this task done.

Note: Each time get different confirmation which appears on my bank statement beside paid bill name. for example January 2009 statement GAS Z8A.... Feb 2009 GAS S2W. I hope this clarify. What I have to do if I want to get all my 12 months GAS money withdraw from bank statement. I use csv file for bank statement.

Loan Formular To Capture Overdraft Bank Facility
how I can solve the issue of creating a spreadsheet (similar to an amortization one) that could deal with unequal re-payment regime as well as unfixed (anytime of the month) payment periods.

Automatic Finish Date & Time With Lunch Break And Bank Holidays
I would like a solution for the automatic calculation of the end date and end time for project tasks. I have already spent hours on the issue, thanks for any help on this.

The parameters are:
A1 = Start time 08:00
B1 = End Time 17:00
A2 = break lunch 12:00
B2 = back from lunch 13:00

A5 = start date 01/03/10 (entered manually)
B5 = start time 10:00 (entered manually)
C5 = duration 02:00 (hrs entered manually)
D5 = "end date" >>> (to be calculated exluding breaks and holidays)
E5 = "end time" >>> (to be calculated exluding breaks and holidays)

the next line should be filled in automaitically according to the hours needed and the previous end date & time

A6 = "start date" >>> (after line 5: to be calculated exluding breaks and holidays)
B6 = "start time" (after line 5: to be calculated exluding breaks and holidays)
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E6 = "end time" >>> (to be calculated exluding breaks and holidays)

and so on for every new line down.

Interest Functions
The file I am working with is available here

(1) I need to work out the value of 2 years worth of interest on a loan - details would be

Loan = 30,180.00
interest = 14.90% pa (calculated daily)
term of loan would be 60 months

I am currently using an ammortisation speadsheet which calculates the interest per month etc ... at this time I simply highlight and calculate the interest which would be two years worth ...

the problem is this calculation varies from the bank interest calculations (although the repayments are the same and the total interest payable amounts are the same)

The banks calculations are said to be done on the basis that the minimum monthly repayment is met and there are no additional fees thrown in ... so I cant understand the difference ...

(2) In addition to the above question, but working on the same loan, traditionally amortisation tables calculate the amount of the repayments, the interest component and the principal component ... some include a column where you can factor in additional repayments on a row by row basis (like the one I am referring to) the table assumes that the payment is made on the due date ...

what I would like to be able to do is
(a) insert the actual payment dates
(b) if no payment is recorded for that period, automatically insert an overdue fee

Interest Calculation
I have a macro that formats a spreadsheet to show outstanding invoices, grouped and subtotalled by month. To add to this I need VBA code that will use the subtotals to calculate interest on overdue accounts.

Interest becomes due a calender month after the month in which the invoice is dated. So for example a January invoice would start to accrue interest on 1st March.

Below is the subtotals code (sadly the totals don't adjust if data is added or removed but perhaps that is another question for another day.)

Dim LastRow As Long
Dim NextMonth As String
Dim R As Long
Dim Rng As Range
Dim SubAmount As Currency
Dim ThisMonth As String
Dim TotalAmount As Currency
Dim Wks As Worksheet

Set Wks = Worksheets("Reconciliation")
LastRow = Wks.Cells(Rows.Count, "A").End(xlUp).Row
Set Rng = Wks.Range(Cells(2, "A"), Cells(LastRow, "D"))

Compounding Interest

Here's my issue:

I'm trying to be debt free roughly around 10-11 years years based on my current plan. SO, what I am trying to do is figure out what I can do with my savings at 1, 2, and a 3 % rate of return in a savings account that is compounded monthly after that debt free point. My time frame for results are 5-10-15-and 20 years.

To Add Bank Account Number And Sort Code Number In A Box
is it possible to have boxes for numbers to be inserted into

i want the user to be able to fill in bank account and sort codes numers into the relevant individual box for each number

Compounding Interest Formula
I am trying to set up a budget for my self. Of course I am trying to make it as complicated as possible.

I have done searches online and that is how I found this forum. I am finding amortization formulas, but not what I want

Here is my question.

I have two fields, Mortgage and auto loan

I want to have a field that does a calculation for me.
I know following fields as an example making numbers up
Interest rate is fixed at 5.5%
Amount left on loan is 150,000
Loan is fixed at 30 years with 28 years left

I want to run a formula so when I make a monthly payment of 1000 dollars how much of that goes to interest, how much to principle (not to make this complicated even more, but let say that I have 200 escrowed which I am not sure if that has interest calculated on(I don’t think so as it is property tax?))

Same example for car loan.
5 year loan, 4.5% interest, payment 438 a month.

Simple Daily Interest
does anyone know how to calculate the interest so it matches this? .......

Calculating Compound Interest
I have a column of years and a column of numbers representing annual
amounts placed in a savings account for the year. I would like to calculate
the balance of interest earned added to the balance of the account and then
calculate the interest earned on the accumulating amounts each year. The
results would be the account balance displayed in an adjoining column. So
far, I have not found a worksheet function for that. Could someone point me
in the right direction? Perhaps there should be several columns of data?

Interest Rate Function
Is there a function that calculates what interest rate is needed to turn a \$2000 investment into \$9000000 in 30 years based on compounding interest?

Cumulative Interest Formula
I have a person who was paid £1000 pension pa for ten years. I've found out that the pension should have been split 50/50 with half increasing by 5% pa. Thus in year 1 total pension would be £1000. In year 2 the total pension would be £1025 ((£500 x 1.05) plus £500)

I know that in year 10 the total pension should be £500 (non increasing) plus £814 (£500 x 1.05 to the power of ten). My problem is how do I work out a formula which calculates the total arrears due in year ten? I'm thinking the arrears due after the ten years is £314 but something is telling me it's a lot more.

Calculate Interest Per Month
Sample data:

02-06-09 to 18-06-09 earned \$2500
19-06-09 to 23-08-09 earned \$3500
24-08-09 to 31-12-09 earned \$4500

I am thinking if there's a formula that can calculate the interest earned for each month from Jun-09 to Dec-09.

Display Rows Of Interest Only
I have this sheet at work which contains a bunch of courses my employer runs, alongwith the dates and other details (which spans columns A through O)

Course-rows which require action/follow-up are highlighted with a certain color. The "completed" course-rows have no fill.
Note: the courses requiring action may have a past date, the only distinguishing feature is the highlight color.

Is there any way by which i could generate a pop-up box of some sort which would display the "highlighted" rows (maybe from A through I or something).

I could add 'follow-up' flags on another column if the highlight color won't do.

Interest Only Payment Formula
I have been raken by brain for a simple formula to calculate an Interest Only Payment on a mortage note, example,

sales price = \$162000
term = 360
interest = 8.5

I was able to calculate the payment of principle and interest, but I need to validate what would be an Interest Only payment on this?

Calculate Compound Interest
I am trying to create a calculator based on a worksheet I have. I do not know how to write a formula for simple interest calculations and for compound interest calculations.

Show Only Records Of Interest
Following is the excel database. B11 is the dropdown menu. When I select the team from drop down menu. it shud give me sorted Name list from B12. I tried the following formula: =IF(INDEX(\$C3:\$E\$11,MATCH(\$C\$12,\$D3:\$D\$11,0),2)=\$C\$12,INDEX(\$C3:\$E\$11,MATCH(\$C\$12,\$D3:\$D\$11,0),1)," ")

But it is repeating the name or leaves the cell blank ( which i don't want). When I select Team1 it shud give me Names : a,d,e (without blank cell), Even i tried Array and some vba programmimg but it ...........

ABC
1SrNameTeam
21aTeam 1
32bTeam 2
43cTeam 3
54dTeam 1
65eTeam 1
76fTeam 3
87gTeam 3
98hTeam 4
10
11Team 2
12b
13b
14#N/A
15#N/A
16#N/A

Bank Reconciliation - Many To One Matching And Partial Cell Matching
programming 2 macros in a bank reconciliation sheet I am trying to create.

Basically the data consists of two sets: the ledger side and bank side. Both sides consists of multiple columns that include date, description and amount.

The following two situations can occur and which need to be covered with a macro.

Many to one matching
When we make payments to say 100 different suppliers at once, the ledger side will show 100 lines with the different amounts. However on the bank side it will only show one line with a total amount for the transaction. As the description on the ledger side is the same for all transactions done at the same time, it should be possible to have a macro add these lines and compare the total with entries on the bank side. Once a matching amount has been found, the macro should place an ‘x’ next to all entries on the ledger and bank side, in order to show that these transactions have been reconciled.

Partial cell matching
In this case we are only dealing with one line on both the ledger and bank side. The issue is that the description does not always perfectly match with one another. The ledger side might say ‘Brown Corp.’ and the bank side might say ‘Brown Corporation’. I want to come up with a macro that can recognize this partial match and still reconcile the lines by placing a ‘x’ to both the ledger and bank entry. The match however should be done with a combination of description, date and amount as several different bookings might be done for the same supplier in the same month.

Interest Template: How To Sum Up According To Date
I have created a template that I use to determine interest calculations (it is based on simple daily interest, but monthly compounding and adjusts for any variations in interest rates during the month), and it seems to work fine so far.

However, I am trying to make it better and would like to eliminate as much manual input as possible. I have attached an example of the template to help explain what I would like to achieve

The Running Balance is dependant on column "J" - Interest for the Month. At the moment, I am manually adding up interest accumulated for the month, however if I add one cell too high or miss a cell when adding, it can lead to compounded problems further down. So in short I am looking for a method that would automatically calculate "interest for the month" by adding all the amounts in column "I" (Interest Daily) at month end for that month only (dates are entered in Column B)

In the attached template, grey areas indicate capital movements and/or interest rate changes that may occur during a month (ie movement in the month in question that affects the daily interest calculated)

I hope I've covered everything!

Any help in this regard comes most appreciated. If anything is unclear, I will do my best to explain what I am trying to achieve in greater detail.

Quarterly Interest Calculating Formula
I use Excel 2007 , I created Interest calculator , on Daily basis , to caluculate interest , compounded quarterly.

But I want to make it compact , as d one I created is long enough.

A3 = Principal Amount
B3 = Date of Investment
C3 = Interest as on Date
D3 = Number of Days , amount Invested {comes out of formula set}
E3 = Rate of Interest

Now in F3 I want the Interest amount , compunded quarterly.

Some times NUMBER OF INVESTED CAN BE LESS THAN 90 DAYS TOO...then what ?

Calculating Annual Interest Rate
If I invested \$350 per hectare into a project and at the end of 12 years that investment yielded me \$150,000, what would my rate of return be over the life of the project?

Calculate In Memory For Each Portfolio If The (Interest - B/F)
I need an array formula, that will peform a calculation in memory for each portfolio if the (Interest - B/F) = >20, or Excel Jeanie HTML 4

Compound Interest Rate Formula
I am trying to calculate the effective annual interest rate earned on an investment and find the results are close but not really accurate. I suspect because I have not included the frequency of interest in my existing formula

r = n * nt root (A/P-1)

where;
r = the effective interest rate
n = the number of times interest is added per year
t = the total number of years
A = the current value
P = the original value

The 2 problems I face are;
1. Confirming this formula would provide the correct answer (need maths expert here) &
2. How would "nt root" (as in sqr root, but using the product of the years and frequency) be used in Excel

How To Calculate Daily Compound Interest
I am trying to set up my excel to calculate daily compound interest.

The amount is 10,000 at 0.75% per day for 6 months.

I have tried several different things with no success -

IF Statements (create Negative Interest)
=IF(AND(ISBLANK(A3),NOT(ISNUMBER(I3))),"",IF(TODAY()-A3>=30,G3*0.5%,"\$0.00"))
How can I keep H from working if there is a negative balance in G? This will create negative interest.

Grid To Determine Interest Rates
I have a grid to determine interest rates. The are add ons to the rate that are dependent on two factors - the credit score and the Loan to Value percent or LTV, both of which are shown in terms of ranges (720-739, etc). See the screen shot below.

I have already written formulas for converting the score and LTV to the ranges as they appear on the sheet (ie, if you type in a score of 722, the formula converts it to the range of 720-739.

What I need to do is this - when the score and LTV are input and determine which set of add ons come into play, I need the sheet to take those add-ons, identified by an x next to it at the top of the page, and add them to the base interest rate, giving me the final rate. Again, see below to make this more clear.

I've thought of using VLookup, but I don' think that would be applicable here.

What's the best method, and can you give me an example of what a formula might look like?

Base Rate 6.25 6.25

Credit Score 741 >740

LTV 60 740 Cash Out 0 0 0 0.25 0.375 0.375 n/a >740 Investment 1.5 1.5 1.5 2 2.5 2.5 n/a >740 2-unit 0.5 0.5 0.5 0.5 0.5 0.5 0.5 >740 3-4 unit 1 1 1 1 n/a n/a n/a

720-739 all -0.25 0 0 0 0 0 0 720-739 Cash Out 0 0.125 0.125 0.375 0.5 0.5 n/a 720-739 Investment 1.5 1.5 1.5 2 2.25 2.5 n/a 720-739 2-unit 0.5 0.5 0.5 0.5 0.5 0.5 0.5 720-739 3-4 unit 1 1 1 1 n/a n/a n/a

Formula For How Much Interest Would Be Paid In A Given Timeframe
I am currently trying to create an excel spreadsheet where I would know how much interest I will pay in the next six months, since the balance changes every month I am not sure how to formulate the total interest paid with in a specified time period.

I currently can calculate the interest and fill in the below rows with each month but I would like to simplify the report so that I can add the Balance, Rate, Payment(2% of balance), and Time period and in another cell it will tell me how much interest I will pay in that time period. Bascially I would like to keep all the calculations in one row.

For example

Balance | Rate | Payment | Time Period | Interest Paid
\$1,000 | 10.00%|\$20.00 | 6 | \$48.56

Calculate Daily Interest Rate
Some years ago I came across a formulae to calculate Daily Interest on a Building Society Savings account in the UK. I have used this since but find my calculations never work out the same as my BS, although to my advantage! It is =B3*B4/360*DAYS360(B5,B6,TRUE) Where:

B3=Capital
B4=Interest Rate
B5=Starting Date
B6=Finishing Date

For some reason the formulae uses 360/year and not 365/year. Using both still gives wrong answer.

Canadian Mortgage Calulator - Interest Savings
I'm attempting to build a Mortgage payment calculator which calculates interest semi-annually. The goal of the calculator is to determine how much interest you would save if your payments were set to Accelerated Bi-weekly, and Accerlerated Weekly vs. Monthly.

I've already calculated what the payments would be for each payment type, however I'm not able to determine what the interest savings would be.

Effective Rate Calculation, Interest Only Loan
I have a calculation I do that calculates a clients "effective interest rate" if they make extra payments towards principal.. Calculation works fine.. However, I am now trying to figure out how to amend that code if it's an interest only loan, anyone have any ideas?

Here is the effective rate calcs on a random normal amortization loan:

this is in B2, and answer is 7%
=RATE(B4*B5,-((B3+B7)/B6),B7)*12

B3 = Total*Interest 279017.8
B4 = #*Years*in*Loan 30
B5 = #*Payments*/*Year 12
B6 = Total*Payments 360
B7 = Beginning*Principal 200000
B8 - Ending*Balance 0
problem is when someone is on an interest only loan they pay more interest than a normal amortization because they are not reducing the principal in the first x number of years. So I need to compare the interest only effective rate to an interest only loan.

Here is the example I'm working on... A client's loan is the following:
Loan amount - 131,538
interest rate - 6.15
30 year amortization
10 years interest only

normal client would pay an interest only payment of 674.13, then after i/o period would go to 953.80 for last 20 years of the loan, and they'd pay about \$178k in interest.. Now if that client pays an extra 1,000 per year, I can calculate the amount of interest they'd accrue, but have no clue how to back into the "effective interest rate", basically that says you are paying the same amount of interest as someone with a x.xx% interest only loan.

Calculate Compound Interest With Capped Earnings
I'm trying to come up with a way of calculating Money earned over time by compounding interest, but with a twist. After reaching a set amount of money, all money above and beyond does not gain interest. example:

Principal: \$120 (user input value)
Duration: 9 (user input value in days, compounding daily)
%Intertest: 4% (user selected value, either 2% or 4%)
Max interest you can earn: \$6 (fixed)
Max interest generating money: \$150 (variable dependant on %interest, = \$150 or \$300)
Response/Answer is final value. I don't need the daily results like the example.
Result would be: \$170.84
\$124.80 (4.80 interest)
\$129.79 (4.99)
\$134.98 (5.19)
\$140.38 (5.40)
\$146.00 (5.62)
\$151.84 (5.84)
\$157.84 (6.00 reached the max interest level)
\$163.84 (6.00)
\$170.84 (6.00)

my equations I have so far only do one (below 150 total) or the other (above) but not both. and its just a regular formula: =IF(P<M,IF(P*I^D<M+1,P*I^D,"over limit"),P+6*D)........................

Compound Interest After Mortgage Free Point
I've found this calc but it doesn't compare to my particular scenario/goals: http://dinkytown.net/java/InvestmentDebt.html. The major difference is that this dinkytown calc requires a new loan to be put in place and I am not in a position to refinance my current mortgage. My plan is to pay an extra \$267 (b3) to the mtg (b4). It will take 128 months (b6) to pay off the mortgage. After that point, I need to calculate what the newly freed capital (b5) would do if I put in an account (i.e. a CD or a simple US savings account) that had an Annual Percentage Yield (APY) of 1, 2, and 3% for 20, 15, 10 and 5 years. I thought that I had the right formula in place for cells b7:b8 should the account earn a 0% rate of return, but I think it's faulty since it gives me a negative number for 10 and 5 year accumulation periods.

Birthday Calculator
I am hopeless at remembering birthdays tbh - so rather than rely on family to remind me, I decided to make a spreadsheet that shows: D.O.B, current age (in years, months, days), and number of days remaining until next birthday.

Please see attached - I can't figure out why the current age calculation is a month out. e.g 'Sebastian' was born on 16 Nov 2008, which makes him 3 months and 11 days old - but '=TODAY()-C16' yields "00 Years 4 Month(s) 12 Days"

Also, 'Leah' has just her birthday - but now where it is supposed to give 'days until next birthday' it gives an error with the formula: '=DATEDIF(TODAY(),EDATE(C4,(YEAR(NOW())-YEAR(C4))*12),"d")'

Freight Calculator
I'm building a freight calculator and am considering some professional consulting options, but before I do that I wanted to see if I could overcome this one problem. If I can, I think I might be able to complete the calculator myself.

Here's my conundrum:

A potential customer enters "80802" for zip code and "Solomon" for store.

StoreLocation_________ City_______ State_____ Zip______ Distance
Solomon__________ Arapahoe _______CO ____ 80802_____ 270
Garden City_______ Arapahoe_______ CO _____80802_____ 143

The formula (or series of formulas) I'm looking for would then refer to the following hidden sheet and return Arapahoe, CO and a distance of 270 miles from Solomon.

12 Digit Calculator
Is there a way to build a 12 digit calculator in excel?

Golf Calculator
Not sure if this is do-able but I figured I would try. For a golf league coming up later this year I want to figure out how many Birdies, Pars, Bogies, Dbl. Bogies and Others each (20) golfers have during the season. After each round I would input their scores and I am looking for a program that would look at the score of the hole and the par for the hole and figure out what they got 1 under par = birdie, even par = par, 1 over = bogie, 2 over = dbl bogie and 3 over = other.

I started by creating a simple if statement but it ran out too long and my other issue is adding up the number of birdies, pars..etc for each round. Meaning a golfer can have bogies on hole #1 and #2 and the if statement can take care of that but how would get a total saying the golfer had 2 bogies.

Something like this with the - meaning a column.

birdies Pars bogies dbl bogies others total holes
4 - 5 - 3 - 4 - 4 - 5 - 6 - 5 - 8 1 4 2 1 1 9

I would do this each week and total the number of each to keep a running total at the bottom of each column. We play on the same course each week so the pars for each hole can be hard coded.

Date Calculator
I'm building a calculator of sorts for dates. I have a start date in A1. Next to the start date I have a list:

10 days from -start date- is:
15 days from -start date- is:
20 days from -start date- is:
and so on...

I need a formula to return a date that is however many days specified from the start date. If that date lands on a sat or sun I need it to return me the date for the monday after. For example, if my start date is 10/15/09 (thursday) and 10 days from that is 10/25/09 (sunday) I need it to return the date of 10/26/09 (monday). I also need it exclude a range of holidays i have listed.

Absence Calculator
im trying to put together a system on worksheets that checks 'Absence' in a rolling 12 month period. The 12 month period is any 12 months and not a financial period (eg 25/12/06 -25/12/07).

I have 36 employees and want to have their names in each sheet, calander dates across the top, will mark either a 'S' for sick or 'L' for late ect against the dates if not at work.

Once an absence has been entered, on the sheet somewhere it will show how many days that person has been off (eg, 10th Oct, 16 Nov and 22 Dec would = 3 Days absence).

How do I set up the sheets to work out how many days each person has had off in a rolling 12 month period (so that it does not calculate beyond the 12 months).

I have looked on here to see if there are any programs, formulas which may work but some have lost me in my tracks.

Billing Calculator
I'm working on a 4-week billing calculator. I rent equipment on a day,week & month rate system. For example: Equipment 1 rents at \$30 Day, \$90 Week, & \$270 a month. If you keep Equipment 1 for 4 days the calculator computes 4 days at a total of \$120. The way a 4-week cycle works is the customer will receive the cheaper rate once the daily rate meets or exceeds the weekly rate.

So instead of \$120 for 4 days, the calculator tells me to bill him for 1 week at \$90 instead and the customer essentially will get the following 3 days at no extra charge until the cycle starts over. As the cycle continues, the same rules apply for the monthly rate in relation to the weekly rate & daily rate combined.

Once the weekly + daily rates add up to equal or more than the monthly, then the monthly rate is used and that's what the customer pays. What I'm trying to do is make a calculator that I input the rates and the rental period and the spread sheet will tell me (based on those rules) how many days, weeks and/or months the customer needs to pay and how much his total dollar amount will be.

Timesheet Calculator
See workbook attached.

I'm looking for help to detemine rates so it automates in the sheet.

Can you give me assistance and code perhaps ? I'm pretty basic at V-Lookup and If functions. Is this the best route to take ?

All is explained within the workbook.

Little Calculator Wanted
I've been trying but excel does not seem to recognise x and y

so here it is

2* X = Z

Where 2 is changable
X = Z-2

Now i just want to find what Z is.

Here's an Example
1.3x - z
1.3(x-.06) = z
1.3z - .078 = z
1.3z = z + .78
1.3z-z = .78
.3z = .78
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z = 2.6

Staffing Calculator
I've been trying to create a Staffing calculator for a call center. Basically the calculator should be able to add up the number of agents for the next 18 intervals based on the login time that is entered by the user. I've just outlined the functioning below:

Suppose 10 agents login at 8 AM (thus logout at 5 PM), the intervals right from 8 AM till 5 PM should show up the 10 agents. Now suppose 10 more agents login at 9 AM, we would then have 20 agents logged in till 5 PM (since agents logged in at 8 will logout at 5) & the remaining 10 till 6 PM. Thus if we have 10 more agents logging in at 10:30, we will have 30 agents till 5 PM, 20 till 6 PM & 10 agents till 7:30 PM & so on. I have attached an excel file to explain the example & the way the calculator has to be built. It is preferrable that the cells containing the login time aren't fixed, but the user should be able to input any login time in any cell.

Commission Calculator
Attached is sample data. Target payout is the amount of the base salary a salesman can earn if all goals are reached. Commissions are payed quarterly. Listed on the left are 7 goals, each with a weight of importance toward the target payout amount. The percentage achieved can only be 100% or 0%, nowhere in the middle, although they are allowed to make up a goal later if they do not make it at first. This is where I get stumped. For example, if they don't make a goal in quarter one but make the goal in quarter two plus what they missed in one, they get two quarters worth of commission in quarter 2 for that goal. I am having trouble figuring out the easiest way to go about this.

Update Specific Cells Within A Column Used For Compound Interest
I have a column of 30 cells, each showing retirement dollars earned based on years of service (cell 1 = year 1, etc) and salary. Here is the predicament: A new hire is brought in with 10 years service, stays 5 and then quits. How do I change only cells 10-14 reflecting his/her salary and retirement dollars? Remember, cell 10 is the first year for the compound interest, cell 11 the second year, etc. I currently use the following formula for cell 10 (compounded salary from cell 9 * (1+.05)^1). Cell 11 is (compounded salary from cell 10 * (1.05)^1.

Calculate 10% Or 20% On Investment Form Depending On Interest Rate In Column
The way I have this sheet setup is to calculate a 20% fee off the interest earned column "D". Say you earned 6.5% on a beginning balance so the interest earned is in col "D". This works fine for a 20% fee but I need the fee to calculate a 10% fee if the interest in column "C" hit 4% or below and it also needs to be able to calculate a 20% fee if the interested earned is above 4%.

Age Based Calculator
I am trying to put together a spreadsheet that works out values based on a persons age or service length.

So in I have the following data in columns starting at B4 and ending at k4:

Date of birth; start date; text; text; text; text; Weekly Pay; Start age; Current Age; Years Service.

The formula I need to provide in l4, m4 and n4 comes from the following rules:

* 0.5 week's pay for each full year of service where age during year less than 22
* 1.0 week's pay for each full year of service where age during year is 22 or above, but less than 41
* 1.5 weeks' pay for each full year of service where age during year is 41+

So in l4 I have:

=IF(J4