Let's say you have an investment that pays out once each year for N years.
The columns of the spreadsheet look like this:

Year Payment Present Value

I don't know in advance how many years I want to analyze and that could
easily change later. How can I construct the present value formula so
that it automatically adjusts the range being summed up to year 1 for the
number of periods and the payments? I'm trying to avoid having to manually
adjust each present value calculation to specify a different range of cells.

What would the formula look like that would allow me to easily copy and
paste the formula - without needing to tweak it by hand - to new years as
the analysis expands?

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Will