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Message: [QUOTE="JoeU2004, post: 13409994"] "Struggling College Student" I think you want (in A1): =fv(4.5%/12, 15*12, -375) which translates into depositing 375 per month into a savings account that earns annual interest of 4.5% compounded monthly. Right? If I misunderstood the financial arrangement, please clarify. As for percent of tuition saved: =A1 / (40000 * 4) formatted as Percentage. PS: When using Excel financial functions like FV, PV and PMT, inflows and outflows should have different signs (positive and negative). Which to use for inflow or outflow is arbitrary; it depends on your point of view (saver v. bank; borrower v. lender). I tend to choose the point of view that results in a positive function result. "Struggling College Student" [/QUOTE]