Physicians are notoriously averse to math. From acid-base calculations in general chemistry to memorizing Winter’s Formula for USMLE Step 1 and the clinical wards, many physicians dread math.
There are even medical calculator websites and apps that help you do basic calculations that we encounter in day-to-day medicine.
However, a cursory ability to “run the numbers” is critical to setting and meeting your financial goals, especially if you don’t want to use the services of a financial advisor.
If you can use a calculator, then you can calculate these important financial functions. Leave the nitty-gritty of learning how to hand-calculate these functions to the finance majors.
Calculations using the future value function
Anyone who wants to do their own investing should be familiar with the future value function. It is a quick way to run basic calculations about compound interest.
You can build complicated spreadsheets or use fancy software to more precisely do these types of calculations, but the simple future value function can get you a ballpark answer.
The future value function is available on most spreadsheet programs, including Microsoft Excel and Google Sheets.
Google Sheets Future Value (FV) Function
Google has online spreadsheet software with most of the functionality of Microsoft Excel, including the future value function.
To use the future value function, simply type =FV( into any cell of the spreadsheet.
Once you type in =FV(, Google Sheets knows you are trying to calculate a future value function and guides you right along each step of the way:
Let’s run through the variables in the future value function, one-by-one:
Rate
This is the interest rate (either that you will pay, or you will receive if you are investing). Always use a positive value for this number. If you are planning for monthly payments, then you should divide this number by 12 (this is a good approximation, but your answers might be slightly off as the calculator now assumes monthly instead of yearly compounding).
Number of Periods
This is the number of periods in the future value calculation. In most cases, this value will be in years or months. Remember to use the same units for the number of periods and the interest rate. For example, if you are using months for your calculations, then don’t forget to divide the annual interest rate by 12.
Payment Amount
The payment amount. Both Microsoft Excel and Google Sheets want this number to be negative when you are paying out money (e.g. mortgage payoff, student loan payoff, investing), and positive when you are receiving money (e.g. annuity payments, Social Security payments).
Present Value
This is the starting value. Use positive numbers for loans (e.g. student loans, mortgage), and negative numbers for net worth calculations (e.g. retirement calculations). If you are currently at a negative net worth, you should input a positive number (i.e. 250,000 if you are 250,000 in debt).
End or Beginning (optional)
This optional variable determines whether the payment is due at the beginning or the end of a period. Use 0 for end of the period and 1 for beginning of the period.
Microsoft Excel Future Value (FV) function
Microsoft Excel has a freely available online version, which you can use even if you don’t have the desktop version.
To use the future value function, simply type =FV( into any cell of the spreadsheet.
Once you type in =FV(, Microsoft Excel knows you are trying to calculate a future value function and guides you right along each step of the way:
The order of the variables is the same as in Google Sheets.
Example Problems
Student Loan Payback
Dr. A finishes residency with $250,000 in debt at an interest rate of 5%. She plans to spend $50,000 at the end of each year to pay the money back. Will she be able to pay off her loans in 6 years?
- Rate: 5%
- Number of Periods: 6 (years)
- Payment Amount: -50,000 (remember it is negative when you are paying money)
- Present Value: 250,000 (remember that this number is positive for loans)
- End or beginning: 0 (zero for end, one for beginning)
= FV (5%, 6, -50,000, 250,000, 0)
= $5,071.73
Because this is a positive number, it means she will be able to pay off her student loans in 6 years.
Investing For Retirement
Dr. B finishes residency with $200,000 in debt. She plans to save $60,000 a year (20% of her $300,000 income) at the end of every year for 30 years. Assuming an investment return of 8%, what will be her net worth in 30 years?
- Rate: 8%
- Number of Periods: 30 (years)
- Payment Amount: -60,000 (remember it is negative when you are investing money)
- Present Value: 200,000 (remember that this is positive when you have a negative net worth)
- End or beginning: 0 (zero for end, one for beginning)
= FV(8%, 30, -60000, 200000,0)
= $4,784,461.29
The Effect Of Fees
Dr. C is in the same situation as Dr. B (finishing residency with $200,000 in debt, wants to save $60,000 a year for 30 years at 8% return in the stock market). He wants to know the effect of paying 1% in fees (7% return instead of 8% return). How much less will Dr. C have if he earns 7% on his investments instead of 8% on his investments?
= FV(8%, 30, -60000, 200000,0) – FV(7%, 30, -60000, 200000,0)
= $639,265.12
That’s a lot of money being transferred from Dr. C’s portfolio to his investment manager.
Example Calculator
Maybe you just don’t want to have to type in the variables yourself in a spreadsheet function. In that case, I went ahead and made a simple spreadsheet that will run the future value function for you. Bookmark this page for future reference whenever you want to run some numbers.
Conclusion
The future value function is a way to quickly do compound interest calculations using a basic spreadsheet. It’s as easy a typing a single function in7 a spreadsheet like Microsoft Excel or Google Sheets. However, if you want to just type in numbers like an online calculator, feel free to use the spreadsheet I’ve made above to run your numbers.
What do you think? Do you use the future value function to do compound interest calculations?
Good stuff. Doing a similar series on other types of functions / how to create an efficient tracker in Excel would be very helpful for those of us at the beginning of our investing career, starting with the basics like you did here and adding one layer at a time.
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Hello my name is Vivian Marcus from the United State, i’m so exciting writing this article to let people seek for help in any Break up Marriage and Relationship, Dr Kachi brought my Ex Boyfriend back to me, Thank you Sir Kachi for helped so many Relationship situation like mine to be restored, i was in pain until the day my aunt introduce me to Dr Kachi that she got her husband back with powerful love spell with help of Dr Kachi So i sent him an email telling him about my problem how my Boyfriend left me and cheating on me because of her boss lady at work i cry all day and night, but Dr Kachi told me my Boyfriend shall return back to me within 24hrs and to me everything he asked me to do the next day it was all like a dream when he text me and said please forgive me and accept me back exactly what i wanted, i am so happy now as we are back together again. because I never thought my Ex Boyfriend would be back to me so quickly with your spell. You are the best and the world greatest Dr Kachi. if you’re having broke up Ex Lover or your husband left you and moved to another woman, You do want to get Pregnant do not feel sad anymore contact: drkachispellcastATgmail. com his Text Number Call: +1 (209) 893-8075..
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Hello my name is Vivian Marcus from the United State, i’m so exciting writing this article to let people seek for help in any Break up Marriage and Relationship, Dr Kachi brought my Ex Boyfriend back to me, Thank you Sir Kachi for helped so many Relationship situation like mine to be restored, i was in pain until the day my aunt introduce me to Dr Kachi that she got her husband back with powerful love spell with help of Dr Kachi So i sent him an email telling him about my problem how my Boyfriend left me and cheating on me because of her boss lady at work i cry all day and night, but Dr Kachi told me my Boyfriend shall return back to me within 24hrs and to me everything he asked me to do the next day it was all like a dream when he text me and said please forgive me and accept me back exactly what i wanted, i am so happy now as we are back together again. because I never thought my Ex Boyfriend would be back to me so quickly with your spell. You are the best and the world greatest Dr Kachi. if you’re having broke up Ex Lover or your husband left you and moved to another woman, You do want to get Pregnant do not feel sad anymore contact: drkachispellcast@gmail. com his Text Number Call: +1 (209) 893-8075 ….
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i want to share to the whole world how Dr Kachi the Great of all the Spell Caster, that helped me reunite my marriage back, my Ex Husband broke up with me 3months ago, I have been trying to get him back ever since then, i was worried and so confused because i love him so much. I was really going too much depressed, he left me with my kids and just ignored me constantly. I have begged him for forgiveness through text messages for him to come back home and the kids crying and miss their dad but he wont reply, I wanted him back desperately. we were in a very good couple and yet he just ignores me and get on with his life just like that, so i was looking for help after reading a post of Dr Kachi on the internet when i saw a lady name SHARRON testified that Dr Kachi cast a Pure love spell to stop divorce. and i also met with other, it was about how he brought back her Ex lover in less than 24 hours at the end of her testimony she dropped his email, I contacted Dr Kachi via email and explained my problem to Dr Kachi and he told me what went wrong with my husband and how it happen, that he will restored my marriage back, and to my greatest surprise my Ex husband came back to me, and he apologized for his mistake, and for the pain he caused me and my children. Then from that day our marriage is now stronger than how it was before, Dr Kachi you’re a real spell caster, you can also get your Ex back and live with him happily: Contact Email drkachispellcast@gmail.com his Text Number and Call: +1 (209) 893-8075 OR Contact his Website: https://drkachispellcast0.wixsite.com/my-site
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My name is Natasha Thompson from the USA/Texas.. Am so overwhelmed with gratitude to let the world know how Dr Kachi, the great spell caster changed my life for good. It all started when I lost my job and I was down financially and emotionally because I couldn’t be able provide for my two kids and staying home all day Jobless it’s not easy until I was checking on the internet when I saw a series of testimonies hearing people winning the Powerball lottery, I didn’t believed, but being poor no job you have no option. I gave it a try and I contacted Dr Kachi who told me what i have to do before I can become a big lottery winner and I accepted. He made special prayers for me in his temple and gave me the required numbers to play the lottery game and when I used the numbers to play it, I won a massive $344.6 million Powerball jackpot. I was so happy and I choose to review my winning in any platform, I would love other people to seek help from Dr Kachi through WhatsApp and Call:: +1 (209) 893-8075 or email drkachispellcast@gmail. com by his website: https://drkachispellcast0.wixsite.com/my-site
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i want to share to the whole world how Dr Kachi the Great of all the Spell Caster, that helped me reunite my marriage back, my Ex Husband broke up with me 3months ago, I have been trying to get him back ever since then, i was worried and so confused because i love him so much. I was really going too much depressed, he left me with my kids and just ignored me constantly. I have begged him for forgiveness through text messages for him to come back home and the kids crying and miss their dad but he wont reply, I wanted him back desperately. we were in a very good couple and yet he just ignores me and get on with his life just like that, so i was looking for help after reading a post of Dr Kachi on the internet when i saw a lady name SHARRON testified that Dr Kachi cast a Pure love spell to stop divorce. and i also met with other, it was about how he brought back her Ex lover in less than 24 hours at the end of her testimony she dropped his email, I contacted Dr Kachi via email and explained my problem to Dr Kachi and he told me what went wrong with my husband and how it happen, that he will restored my marriage back, and to my greatest surprise my Ex husband came back to me, and he apologized for his mistake, and for the pain he caused me and my children. Then from that day our marriage is now stronger than how it was before, Dr Kachi you’re a real spell caster, you can also get your Ex back and live with him happily: Contact Email drkachispellcast@gmail.com his Text Number and Call: +1 (209) 893-8075 his Website: https://drkachispellcaster.wixsite.com/my-site
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My name is CLARA JAMES .I want to give thanks to PRIEST WISDOM for bringing back my ex husband.No one could have ever made me believe that the letter I’m about to write would actually one day be written. I was the world’s biggest skeptic. I never believed in magic spells or anything like this, but I was told by a reliable source (a very close co-worker) that Trust is a very dedicated, gifted, and talented person,It was one of the best things I have ever done. My love life was in shambles; I had been through two divorces and was on the brink of a third. I just couldn’t face another divorce, and I wanted to try harder to make our relationship work, but my husband didn’t seem to care. and he broke up with me again . I was confused and did not know what to do again, rather they got in contact with PRIEST WISDOM.He did a love spell that made my husband come back to me. We are now very much happy with ourselves. PRIEST WISDOM makes him realize how much we love and need each other .This man is for REAL and for good . He can also help you to fix your broken relationship. I had my husband back! It was like a miracle! He suddenly wanted to go to marriage counselling, and we’re doing very, very well , in our love life . contact email supernaturalspell0 @ gmail. com or text or add him up on whatsApp at: +2348124644470 …
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Hello everyone am Victoria Jones, am here to share a great testimony on how Dr Wealth transformed my life financially, i still finds it difficult to believe that i now worth millions of dollars, i have been playing lottery game for so long and i have never win any reasonable amount of money, i was doing some research online about lottery game and i came across a testimony of a woman who won a very huge amount of money on lottery game through the help of Dr Wealth who predicted a winning game for her to play, and surprisingly she won a huge amount of money 19.5million dollars, so i also contacted Dr Wealth and asked him for help he told me what i needed to do which i did and on the second day after he had cast the spell for me he gave me some sure numbers to play so i went to play the numbers so on Tuesday the result came out and i went to check there i got the shock of my life, i saw my names amongst the winners i won an amount i have never dreamed of in my life, my mouth was open and i didn’t know what to say that was how my life changed financially i just want the world to know that there is a great spell caster called Dr Wealth if you have been playing lottery game and you have never won i will advise you to contact Dr Wealth for help and i promise you your story will change, you can email him at drwealthmag@gmail. com you can also WhatsApp him on +12184533734
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