PV(Rate, Nper, Pmt, FV, Due)'Rate - interest rate per period 'Nper - number of payment periods 'Pmt - amount of periodic payment 'FV - future value 'Due - 1 if payment due at beginning of month, 0 for end

'examples MsgBox (PV(0.03, 4, 1)) 'yields -3.71709840281037 MsgBox (Abs(PV(0.03, 4, 1))) 'yields 3.71709840281037 MsgBox (Round(PV(0.03, 4, 1), 0)) 'yields -4