# Is this Compounding Calculator even possible?

##### New Member
What I am trying to do is make or find a calculator that will show compounding of the money in my account in a network marketing company that I belong to.

What it should show is let's say I have \$10,000 in my account and I make 0.5% interest per day for 600 days.
Now I can only repurchase (compound) into my account in increments of \$50.

Example 1:
Day 1: \$10,000 x 0.5% = \$50.00 (compound the \$50)
Day 2: \$10,050 x 0.5% = \$50.25 (compound the \$50 leaving \$0.25)
Day 3: \$10,100 x 0.5% = \$50.50 (compound the \$50 leaving \$0.50 + \$0.25 = \$0.75)
Day 4: \$10,150 x 0.5% = \$50.75 (compound the \$50 leaving \$0.75 + \$0.75 = \$1.50)
Day 5: \$10,200 x 0.5% = \$51.00 (compound the \$50 leaving \$1 + \$1.50 = \$2.50)
Day 6: \$10,250 x 0.5% = \$51.25 (compound the \$50 leaving \$1.25 + \$2.50 = \$3.75)
ect. to Day 600.

Eventually there should be a 2nd \$50 from the money left over that I can compound that day.

I would like to be able to change the starting dollar amount showing the different packages that can be purchased.

There are \$300, \$500 and \$1000 packages or increments of those dollar amounts.

Example 2:
Day 1: \$300 x 0.5% = \$1.50 (leaving \$1.50)
Day 2: \$300 x 0.5% = \$1.50 (leaving \$3.00)
Day 3: \$300 x 0.5% = \$1.50 (leaving \$4.50)
Day 4: \$300 x 0.5% = \$1.50 (leaving \$6.00)
Day 5: \$300 x 0.5% = \$1.50 (leaving \$7.50)
Day 6: \$300 x 0.5% = \$1.50 (leaving \$9.00)
-
-
On day 34 there should be \$50 from the money left over that I can compound.
Day 34: \$300 x 0.5% = \$1.50 (having \$51.10, compound the \$50 leaving \$1.10)
Day 35: \$350 x 0.5% = \$1.75 (leaving \$2.85)
Day 36: \$350 x 0.5% = \$1.75 (leaving \$4.60)
ect. to Day 600.

Is this making sense?
I have been racking my brain for a week now trying to figure out how to do this.
Is this even possible to be able to do?

Can you help me please and thank you?

Sincerely,

### Excel Facts

What did Pito Salas invent?
Pito Salas, working for Lotus, popularized what would become to be pivot tables. It was released as Lotus Improv in 1989.

#### Dave Patton

##### Well-known Member
A quick idea follows

T202101b.xlsm
ABCD
1Rate0.50%
2Amount10,0000.25
3Compound50
4FV\$199,359.55\$465.30\$198,894.25
6a
Cell Formulas
RangeFormula
B4B4=FV(B1,600,0,-B2,1)
C4C4=FV(B1,600,-C2/2)
D4D4=B4-C4

#### Dave Patton

##### Well-known Member
Do you initiate the compounding or does it happen automatically?
The following will show the buildup towards the \$50.
Copy or fill the ranges down.
If you just need the result, you will require a sum of the series or refer to the last cell of the range like B6:B606

Cell Formulas
RangeFormula
B4B4=FV(B1,600,0,-B2,1)
C4C4=MAX(B6:B606)
B6B6=\$B\$2
B7:B16B7=B6+(FLOOR(B6,50)*\$B\$1)
C7:C16C7=B7-FLOOR(B7,50)

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