| Error | Probable Cause | Solution | |-------|----------------|----------| | #NUM! | Negative interest rate or inconsistent periods | Check rate and nper signs | | #VALUE! | Text inside a math function | Use =VALUE() to convert | | Pension seems too high | Forgot to divide annual rate by 12 | Use rate/12 and nper*12 | | Inflation ignored | Used nominal return for long horizons | Switch to real return: =(1+nom)/(1+inf)-1 |
A single number is dangerous. What if returns are 4% instead of 6%? Create a two-variable data table. rente excel
A single formula is useful, but a dashboard is powerful. Let’s build a professional pension model. | Error | Probable Cause | Solution |
To test success probability, use =GOAL SEEK or build a Monte Carlo simulation with =NORM.INV(RAND(), Mean, StdDev) . What if returns are 4% instead of 6%
: Ensure that the time periods and interest rates match. For example, if you are making monthly payments on a 10% annual interest loan, use 10%/12 for the rate and years * 12 for the periods .