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Default So many commas

I need to find the present value of rental income that is discounted
at 5%. I need to show each year separately but when I do the formula,
I believe I have to put in a comma for each year past the first year.
By the time I am up to the row that has year 50, I have 49 commas.

=NPV($F$8,,,,,,F22) = that is my entry for year six. Is there any way
to put the year # into the equation. I have Excel 2003 and I don't
know how to use visual basic. What can I do?
 
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