=FV(EFFECT(5.105%,4)/4,30,,-133392.65)

=196,575.70

--
Kind regards,

Niek Otten
Microsoft MVP - Excel

"Willy Verhaegen - Belgium" wrote in message
...
|I have a private loan amount of 133,392.65 $ at a QUARTERLY COMPOUNDED
| interest of 5.1505 % which only has to be paid at the end of 10 years,
| starting on January 9th 2002 till jan 8th, 2012, together with the principal,
| Can you give me the formula to use on Excel ASAP ?
| Thank you .