if you click on the cell with the formula =F23/(1+0.04)^(A23-18). Just place
your mouse to the right end of that cell, there will appear a + (called drag
filler) just drag that down and your formula will copy down while changing
F23 and A23 accordingly.

Hope this helps.

"sanger" wrote:

here is the formula I am using =F23/(1+0.04)^(A23-18)

how do I copy or drag the formula down and have it change to

=F23/(1+0.04)^(A23-18) then copy or drag it to change in the rows following
each other
=F24/(1+0.04)^(A24-18)
=F25/(1+0.04)^(A25-18) and so on