Copy cells A1 through B5 and paste in cells C1 through D5. This will copy the formulas you previously entered.
 You can examine other scenarios such as a lower interest rate, a longer period, or an additional monthly payment. Simply enter a new value for each variable, or change them all at once.
 By simply increasing the interest rate, number of years, or payment, you can see drastically higher future values for your investments. Play around with the numbers and see how an extra $20 per month can affect your account value over 10 or 20 years. 
, You can calculate the future value of an account with a varying interest rate and additional monthly payments using an amortization table. These can be found online by searching for "compound interest amortization tables."
Predict results by changing the variables.
Change the variables in rows D1 down through D4.
Compare the results.
Use an amortization table.
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