I have been trying to find a simple answer to my NPV problem without
creating all the monthly cash flows if I have only the following
information. I want to NPV a stream of payments that changes every
year. For example this is what I know

Months Monthly Pmt Amt
1-12 $3.00
13-24 $3.12
25-36 $3.26
37-48 $3.40
49-60 $3.50

Using a 6% discount rate how do I generate the NPV without creating
cells to hold each months payment? Is there a way or am I just
wishfully thinking here? Any help would be appreciated.

AJ