Future Value / Future Value Annuity

If you just want to see the result of X years later, you don't need to use previous "Investment.xls". You can use Excel "FV" formula. That should give you the same result of "Sub Total" in "Investment.xls".

Here, let me explain a few terms:

1. Compound Interest: heard of loan shark / Ah Long? 利滚利? Yes, that mean the interest is calculated based on (previous interest + capital). 
2. Future value : Capital money you have now, let it rolled by compound interest, X years later, the number you can get is future value.
3. Future value annuity: Capital money you have now + you invest certain $ every year. Let it rolled by compound interest, X years later, the number you can get is future value annuities.

You may download the Excel : 

https://www.dropbox.com/s/zku53v1ytrkrd2o/FutureValue.xlsx