Geetings all,

I have been using this formula to calculate payments for our finance packages: PMT=(COST-FVx(SPPV(I%YRÃ·12:N)))Ã·(USPV(I%YRÃ·12:N-#ADV)+#ADV)

What I need is a formula that gives me step payments and deferred payments on loans. All help is greatly appreciated. I use a 17bII.

Jeff Maloney

maloney1@pacbell.net