Trying to create a spreadsheet that calculates compounding interest and
penalties, where the interest rates change per quarter.

How often is interest compounded? Daily? Monthly? Quarterly? Annually?
How often do you have transactions which affect the balance?

Whether you have many transactions per period (such as a credit card bill),
or many periods per transaction (like a long-term investment), will make a
difference in how you set up the spreadsheet.

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Regards,
Fred
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"Dean" <Dean @discussions.microsoft.com wrote in message
...
Trying to create a spreadsheet that calculates compounding interest and
penalties, where the interest rates change per quarter.