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ı want to solve this question by excel formulas?

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matlab coder 2022 年 5 月 9 日

この 質問 は 1 人のコントリビューターによってフラグが設定されました
You initially put \$5,000 into the bank at 4% annual interest rate. Each year you put in an additional \$2000. After 20 years of doing this, you start taking out bank disbursements (basically payments *from* the bank) to pay for college. If you will take out 4 equally spaced disbursements to pay for 4 years of college and the final value of the college loan will be 0 after taking those 4 disbursements, what will be the value of each of those 4 disbursements?
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Torsten 2022 年 5 月 11 日
Sorry - I only read the title " I want to solve this question by Excel formulas ".

回答 (1 件)

Torsten 2022 年 5 月 10 日

Without guarantee:
disbursement = (5000*1.04^23 + 2000*1.04^4*(1.04^19-1)/0.04)/((1.04^4-1)/0.04)
thus approximately 18150 \$.
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Sam Chak 2022 年 5 月 10 日
I think @Torsten is correct. (+1)
The compound interest after 20 years is \$65,876.70. Then
Year 21: \$65876.70*1.04 - x
Year 22: (\$65876.70*1.04 - x)*1.04 - x
Year 23: ((\$65876.70*1.04 - x)*1.04 - x)*1.04 - x
Year 24: (((\$65876.70*1.04 - x)*1.04 - x)*1.04 - x)*1.04 - x ... the 4th disbursement empties the account
format longg
f = @(x) (((65876.70*1.04 - x)*1.04 - x)*1.04 - x)*1.04 - x;
dbm = fsolve(f, 20000)
dbm = 18148.37506946083

R2022a

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