Fixed Deposit Sample

Excel Skills | Fixed Term Deposits Template
About this template

This template enables users to compile an investment account statement for any fixed term deposit. The investment account statement includes
interest calculations that are based on daily investment account balances and capitalized to the investment account on any user defined date. The
template provides for multiple investments of funds, withdrawals of funds, interest payments, bank charges, interest rate changes and investment
accounts can be compiled for any investment period. The template uses the same calculation methodology that is applied by most financial institutions
and can therefore be used to recalculate the amounts on account statements that are received from financial institutions or to compile investment
account statements for informal investments.
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Our unique, practical templates produce results that are more comparable to software solutions than regular Excel templates. ost Excel templates
only contain limited functionality but our templates produce complex automated reports based on limited user input. !ou also don"t need advanced
Excel skills in order to use our templates # all our templates only require basic user input and include comprehensive step by step instructions.
About this sample file
This Excel document is only a sample of the fixed term deposits template. $e%ve created this sample to enable customers to view the layout and
features of this template. !ou will therefore not be able to use this version of the template # the full version of the template can only be downloaded
after buying the template or a full membership of the Excel &kills website.
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/age , of 01
Instructions
#orksheet Summar
The main purpose of each worksheet is as follows2
Transaction $odes
%%%&excel'skills&com
This template enables users to compile an investment account statement for any fixed term deposit. The investment
account statement includes interest calculations that are based on daily investment account balances and capitalized to
the investment account on any user defined date. The template provides for multiple investments of funds, withdrawal of
funds, interest payments, bank charges, interest rate changes and investment accounts can be compiled for any
investment period.
The main purpose of this template is to compile investment accounts and calculate interest based on the same calculation
methodology that is applied by most financial institutions. This template can therefore be used to recalculate the amounts
on account statements that are received from financial institutions and can also be used to compile investment account
statements for informal investments.
Important: If you use this template to compile investment account statements for your clients, the investment account
statement and summary should be converted to a PDF format before being e-mailed to clients. You are not allowed to
send the template in its current file format !"cel file# to your clients because this would fall outside the scope of a single
user license and result in a copyright infringement.
Trans$ode ' includes the default transaction types that need to be selected when entering investment account
transactions. (dditional transaction types can also be added to the default list of transactions codes.
Statement ' all investment account transactions should be recorded on this sheet. (ll the interest and investment account
balance calculations in this template are based on the transactions that are recorded on this sheet. 3ote that the
&tatement sheet includes 0* columns but only four of these columns require user input 4the columns with the yellow
column headings5.
Summar ' includes a monthly summary of investment account transactions that is calculated from the &tatement sheet.
3o user input is required on this sheet.
$ote: %he template includes a lot of comple" formulas and has been designed within a specific wor&sheet structure. 'e
therefore do not recommend adding additional rows or columns within the e"isting wor&sheet framewor& because it may
result in errors or inaccurate calculations being encountered. If you therefore want to add your own calculations to the
template, we recommend inserting a new wor&sheet for this purpose.
The Trans6ode sheet contains a list of - default transaction types that can be used to record transactions on the
investment account statement. The default transaction types should be left unchanged but you can add additional
transaction types to the list if required. Each of the default transaction types has a specific purpose and if you therefore
change the type of transaction that is associated with the default transaction code, you may encounter inconsistencies in
the template calculations.
(ll the transaction types on the Trans6ode sheet are included in list boxes in column 7 on the &tatement sheet. (dditional
transaction types that are added to the default list of transaction types are also available for selection from these list
boxes. !ou will therefore be able to enter the transactions relating to these transaction types on the &tatement sheet but
note that all transaction types with transaction codes greater than or equal to 8 are grouped together in one column on the
&ummary sheet 4column 95.
On this sheet:
This sheet includes detailed instructions
on settin" up and usin" this template&
On this sheet:
This is the only protected
sheet in the full version of
the template!
/age ) of 01
Instructions
On this sheet:
On this sheet:
(n)estment Account Transactions
The following important guidelines should be followed when recording transactions on the Statement sheet:
The following section covers the default transaction types that should be recorded on the Statement sheet:
Investment of Funds
(ll investment account transactions need to be recorded on the &tatement sheet. This sheet includes 0* columns but only
four of these columns require user input 4columns with a yellow column heading5. The columns with light blue column
headings contain formulas that should be copied for all new transactions that are recorded.
$hen you therefore record any transaction, you will need to enter a date 4in column (5, select a transaction type from the
list box in column 7, copy the formula in column 6, enter a new interest rate 4only if an interest rate change transaction is
being recorded, otherwise enter *:5, enter a transaction amount in column E and copy all the formulas from column ; to <
from one of the existing rows.
$ote: (fter recording a few transactions, it may be more efficient to copy a transaction that was previously recorded, paste
it into the ne"t empty row and simply change the date, transaction code if re)uired#, interest rate and amount in order to
record a new transaction that is similar to the transaction that was copied.
%he first transaction that should be recorded on this sheet should always be an interest rate change transaction
transaction type *# and this transaction should be recorded on the same date as the first transaction on your investment
account statement. %he interest rate that is applicable to the investment should be entered in column D and the
transaction amount in column ! should be nil the transaction amount for all interest rate change transactions should
always be nil#. %his entry establishes the interest rate that should be used to calculate interest from the beginning of the
investment period.
(ll the transactions that are recorded on the +tatement sheet should form part of a continuous cell range. %here should
therefore be no empty rows between transactions, otherwise the investment account balances and therefore also the
interest calculations will be inaccurate.
(ll transactions should be recorded or sorted in an ascending date se)uence oldest transactions first#. You,ll notice that if
you enter a transaction that is out of se)uence, the transaction date will be highlighted in red. %his error can be corrected
by simply sorting all the transactions on the +tatement sheet in an ascending order by the date in the first column. -y
sorting the transactions in the correct order, you will ensure that the date se)uence is rectified and that all interest
calculations are accurate.
Interest is only capitali.ed to the investment account when you record an interest capitali.ation transaction transaction
type /#. %he transaction amount in column ! should be nil because the monthly interest capitali.ation calculation is
performed automatically through the formula that has been entered in column F. %his interest calculation only applies to
transaction type / - if you therefore enter the incorrect transaction type, the interest will not be capitali.ed to the
investment account.
It is imperative that you don,t replace any of the formulas in the columns with light blue column headings with alternative
values because it will result in inaccurate calculations. 'e recommend that you save the template under a default file
name after downloading it and save each investment account under a different file name. You will then be able to revert
bac& to the original template if you delete any of the formulas by accident.
(ll transaction amounts e"cept for withdrawals of funds, ban& charges and interest payments should be entered as
positive values. 'ithdrawals, ban& charges and interest payments should be entered as negative values - if you enter
positive values for any of these transactions, the transaction amounts will be highlighted in orange.
The =nvestments of ;unds transaction type should be used for all deposits of funds into the investment account. This
includes the initial investment of funds and all subsequent deposits into the investment account. !ou can record as many
investments of funds as required by simply entering the appropriate transaction date, selecting transaction type 0 and
entering the appropriate amount in the Transaction (mount column 4column E5. (ll investments of funds should be
entered as positive amounts. =f you enter a negative amount, the amount will be highlighted in orange until the error is
rectified.
/age . of 01
Instructions
On this sheet:
On this sheet:
'ithdrawal of Funds
-an& 0harges
Interest 0apitali.ation
the previous month,s closing balance will be included in the interest calculation of the current month for / days.
(ny withdrawal of a capital amount from the investment should be recorded by using transaction type >. 3ote that capital
withdrawals exclude bank charges and interest payments. $ithdrawals need to be recorded by entering the appropriate
transaction date, selecting transaction type > from the list box in column 7 and entering the withdrawal amount as a
negative value in the Transaction amount column. =f you enter a positive amount, the amount will be highlighted in orange
until the error is rectified.
(ll bank charges should be recorded by entering the appropriate transaction date, selecting transaction type , from the list
box in column 7 and entering the appropriate amount as a negative value in the Transaction amount column. =f you enter
a positive amount, the amount will be highlighted in orange until the error is rectified.
The interest calculations in this template are based on the daily investment account balances. (ll transactions except for
interest capitalization transactions are included in the daily investment account balance as if the transactions occurred at
the beginning of the day. =nterest capitalization transactions are deemed to occur at the end of the transaction day. This
means that the day on which the interest capitalization transaction is recorded is included in the interest that is calculated.
This principle is best explained by way of an example.
!"ample: If we assume that the previous interest capitali.ation occurred on the 12th of February and a withdrawal of funds
transaction is entered on the *th of 3arch, a ban& charge transaction is recorded on the 1* of 3arch and an interest
capitali.ation transaction is recorded on the 12th of 3arch, the following days will be included in the appropriate interest
calculations:
the withdrawal of funds transaction will be deducted from the closing account balance of the /th of 3arch and interest on
this balance will be calculated for 14 days the 1/th minus the /th#. $ote that a transaction date of the /th is used in the
calculation because it is deemed that the withdrawal occurred at the beginning of the *th and the transaction amount
therefore effectively forms part of the closing balance on the /th.
similarly, the ban& charge transaction recorded on the 1*th# is deemed to have formed part of the closing balance of the
1/th - this is why we deducted the /th from the 1/th and not the 1*th.
interest capitali.ation transactions are however deemed to have occurred at the end of the transaction day. %he interest
calculation on the day that the interest capitali.ation transaction is processed the 12th# will therefore be based on / days
the 12th minus the 1/th# even though the ban& charge transaction was recorded on the 1*th.
if you add up the three interest calculations, you,ll notice that the interest calculations covered the full 12 day period up to
the 12th of 3arch.
(ll interest calculations are automatically performed based on the transactions that are recorded on the &tatement sheet.
(s we"ve mentioned before, it is imperative that all transactions are recorded in the correct date sequence 4ascending date
order5, otherwise the interest calculations may not be accurate. =nterest is calculated by applying the appropriate interest
rate to the previous transaction"s closing balance and based on the number of days that is calculated by applying the
transaction date principles that we"ve ?ust explained.
The calculated interest accrual is only capitalized to the investment account when you enter an interest
capitalization transaction. Note that if you don't record this type of transaction on the investment account, no
interest will be capitalized to the investment account and your investment account statement will not be accurate!
t is therefore imperative that you add an interest capitalization transaction to the Statement sheet on all the
appropriate interest capitalization dates.
/age - of 01
Instructions
On this sheet:
On this sheet:
Interest 5ate 0hanges
6ther 0harges
(n)estment Account Statement
nterest can be capitalized on any date whether it is a month end date or any other day of the month. !ou can
therefore capitalize interest on the last day of each month by simply entering an interest capitalization transaction
on the last day of each month or you can capitalize interest on "say# the $%th of each month by simply entering an
interest capitalization transaction on the $%th of each month. The template automatically calculates the days that
should be included in the interest calculation based on the date of the previous transaction that has been
recorded.
=nterest capitalization transactions can be recorded by entering the transaction date, selecting transaction type ) and
entering a nil amount in the Transaction (mount column. The amount of interest that will be capitalized is calculated in
column ; and is automatically added to the investment account balance in column @.
$ote: 'hen entering an interest capitali.ation transaction, you should not enter a transaction amount in column !. If you
enter any value other than a nil value, the value will be highlighted in orange until the error is rectified.
Note: f the interest that is earned on an investment account is paid out at regular intervals, you should still
record the appropriate interest capitalization transactions and also record the interest payments by using
transaction type &. 'll interest payments should be recorded as negative amounts and will be included in a
separate column on the Summary sheet. f you record an interest payment as a positive value, the amount will be
highlighted in orange until the error is rectified.
This template accommodates an unlimited number of interest rate changes. (n interest rate change can be recorded on
the &tatement sheet by simply entering the effective date of the interest rate change in column (, selecting transaction
type ., entering the appropriate new interest rate in column A and entering a nil amount in the Transaction (mount
column. !ou"ll notice that the interest rate in column 9 4used in all interest calculations5 changes to the new interest rate
that has been recorded. =nterest on all subsequent transactions will be calculated based on the new interest rate 4until the
next interest rate change transaction is recorded5.
$ote: 'hen entering an interest rate change transaction, you should not enter a transaction amount in column !. If you
enter any value other than a nil value, the value will be highlighted in orange until the error is rectified.
's we've mentioned before, the first transaction that should be recorded on the Statement sheet is an interest
rate change transaction. This transaction establishes the interest rate that should be used to calculate interest
from the beginning of the investment period. f you omit this transaction, the interest rate that will be used to
calculate interest on the initial investment account balance will be nil and no interest will therefore be calculated
and capitalized to the investment account until an interest rate is defined.
Interest rate changes can only be recorded by using transaction type * - if you enter a new interest rate in column D and
select any other transaction type, the interest rate change will not have any effect on the interest calculations. 'e have
added conditional formatting to column D to highlight all input errors in orange.
(s we"ve mentioned before, you can add additional transaction types to the Trans6ode sheet and select the appropriate
transaction types from the list box in column 7 on the &tatement sheet when recording transactions. (ll additional
transaction types will be included in a single column 4column 95 on the &ummary sheet.
(ll investment account transactions should be entered on the &tatement sheet in accordance with the guidance provided
in the previous section. (fter reading through the previous section, you should therefore be able to record all the
appropriate transactions on the &tatement sheet and we"ll now provide guidance on the calculated columns 4columns with
a light blue column heading5 on this sheet.
/age 8 of 01
Instructions
On this sheet:
On this sheet:
(n)estment Account Summar
*elp + $ustomi,ation
The transaction description in column 6 has been included on the &tatement sheet so that it is easy to identify the
transaction types that are selected from the list boxes in column 7. The list boxes only include the transaction type
numbers # we"ve therefore included the description in column 6 to enable users to review the transaction type that has
been selected.
The capitalized interest in column ; represents the amount of interest that is capitalized to the investment account on the
appropriate transaction date. (s we"ve mentioned before, an interest capitalization amount will only be calculated if
transaction type ) is selected in column 7.
This amount is the total of all the accrued interest amounts in column < since the previous interest capitalization
transaction. The accrued interest is calculated based on the interest rate in column 9, the interest days in column = and
the previous transaction"s closing balance in column @. The investment account balance on each transaction date is
calculated in column @.
The &ummary sheet includes a complete breakdown of the movements on the investment account for all monthly periods.
(ll the totals on this sheet are calculated from the transactions that are entered on the &tatement sheet. 3o user input is
required on this sheet # users are simply required to copy the formulas in the existing rows to the appropriate number of
new rows in order to add the required number of monthly periods to the summary.
The first monthly period on the &ummary sheet is determined by the transaction date of the first transaction on the
&tatement sheet. The transaction date in row ) on the &tatement sheet therefore determines which monthly period is
displayed in the first row on the &ummary sheet. (ll subsequent monthly periods on the &ummary sheet are calculated
based on the first monthly period.
The =nvestment of ;unds column is calculated based on all the transactions with a transaction type of 0 on the &tatement
sheet. $ithdrawals of funds 4transaction type >5, bank charges 4transaction type ,5, interest capitalization 4transaction type
)5, interest payments 4transaction type -5 and other charges 4all transaction types greater than - that have been added to
the Trans6ode sheet5 are also calculated based on the transaction types of the transactions that are recorded on the
&tatement sheet.
(s we"ve mentioned before, interest is only capitalized to the investment account when an interest capitalization
transaction is recorded on the &tatement sheet. =f you therefore note that a nil value is displayed for any monthly period in
the =nterest 6apitalized column 4column ;5, it means that an interest capitalization transaction has not been recorded on
the &tatement sheet for the particular month. =f an interest amount should have been capitalized, you can simply record
the transaction on the appropriate transaction date
The &ummary sheet can be used to analyze the movements on an investment account on a monthly basis. =t is therefore
an extremely useful tool for reviewing the investment account transaction and balance history.
=f you experience any difficulty while using this template and you are not able to find the appropriate guidance in these
instructions, please e#mail us at supportBexcel#skills.com for assistance. This template has been designed with flexibility
in mind to ensure that it can be used in most business environments. =f however you need an Excel based template that is
customized specifically for your business requirements, please e#mail our &upport function and provide a brief explanation
of your requirements.
/age 1 of 01
Instructions
On this sheet:
On this sheet:
- $opri"ht
This template remains the intellectual property of www.excel#skills.com and is protected by international copyright laws.
(ny publication or distribution of this template outside the scope of the permitted use of the template is expressly
prohibited. =n terms of the permitted use of this template, only the distribution of the template to persons within the same
organisation as the registered user or persons outside the organisation who can reasonably be expected to require access
to the template as a direct result of the use of the template by the registered user is allowed. &ubsequent distribution of
the template by parties outside of the organisation is however expressly prohibited and represents an infringement of
international copyright laws.
/age C of 01
Transaction $odes
$ode Transaction Tpe
0 =nvestment of ;unds
> $ithdrawal of ;unds
, 7ank 6harges
) =nterest 6apitalized
. =nterest Date 6hange
- =nterest /aid
On this sheet:
This sheet includes the default in)estment account transaction
tpes& Additional transaction tpes can be added to the list b
enterin" the ne% codes belo% the last default code& The transaction
tpes that are entered on this sheet are included in a list box on the
.Statement/ sheet&
On this sheet:
This sheet includes the default in)estment account transaction
tpes& Additional transaction tpes can be added to the list b
enterin" the ne% codes belo% the last default code& The transaction
tpes that are entered on this sheet are included in a list box on the
.Statement/ sheet&
/age 0* of 01
7 www.e"cel-s&ills.com
Date $ode Transaction Description
CE>8E>**C . =nterest Date 6hange 8.)*: # # # 8.)*: * #
CE>8E>**C 0 =nvestment of ;unds *.**: >.*,***.** # >.*,***.** 8.)*: * #
0*E>.E>**C , 7ank 6harges *.**: #)>.** # >)C,C.1.** 8.)*: >1 0,)0C.01
0*E>8E>**C ) =nterest 6apitalized *.**: # 0,.80.>0 >.0,.>C.>0 8.)*: , 0.>.*,
00E.E>**C > $ithdrawal of ;unds *.**: #,*,***.** # >>0,.>C.>0 8.)*: 1 )*8.C-
00E>.E>**C , 7ank 6harges *.**: #)>.** # >>0,)18.>0 8.)*: >* 1C1.>-
00E>8E>**C ) =nterest 6apitalized *.**: # 0,))*.C, >>>,C>1.0) 8.)*: , 0,).80
0>E>.E>**C , 7ank 6harges *.**: #)>.** # >>>,11-.0) 8.)*: >8 0,>>*.,*
0>E>8E>**C ) =nterest 6apitalized *.**: # 0,,...18 >>),>)>.** 8.)*: , 0,...-
0E>.E>*0* , 7ank 6harges *.**: #)-.** # >>),0C-.** 8.)*: >1 0,>8>.C-
0E>8E>*0* ) =nterest 6apitalized *.**: # 0,)*C.,> >>.,-*..,> 8.)*: , 0,-.,-
>E>.E>*0* , 7ank 6harges *.**: #)-.** # >>.,..C.,> 8.)*: >1 0,>1*.8*
>E>8E>*0* ) =nterest 6apitalized *.**: # 0,)08.1C >>-,C88.>* 8.)*: , 0,8.0C
,E0.E>*0* 0 =nvestment of ;unds *.**: .*,***.** # >8-,C88.>* 8.)*: 0. -C*.>-
,E>.E>*0* , 7ank 6harges *.**: #)-.** # >8-,C,0.>* 8.)*: 0* .-0..)
,E>-E>*0* . =nterest Date 6hange -.C*: # # >8-,C,0.>* -.C*: 0 .-.0)
,E>8E>*0* ) =nterest 6apitalized *.**: # 0,)0>.-. >81,,),.1. -.C*: > 0*).8*
)E>.E>*0* , 7ank 6harges *.**: #)-.** # >81,>C8.1. -.C*: >1 0,)8,.,>
)E>8E>*0* ) =nterest 6apitalized *.**: # 0,-,0.0. >8C,C>C.** -.C*: , 0.8.1,
.E.E>*0* > $ithdrawal of ;unds *.**: #0,,***.** # >--,C>C.** -.C*: 8 ,8*.),
.E>.E>*0* , 7ank 6harges *.**: #)-.** # >--,11,.** -.C*: >* 0,**C.>0
.E>8E>*0* ) =nterest 6apitalized *.**: # 0,.,*.CC >-1,)0,.CC -.C*: , 0.0.,-
-E>.E>*0* , 7ank 6harges *.**: #)-.** # >-1,,-8.CC -.C*: >1 0,)>*.8-
-E>8E>*0* ) =nterest 6apitalized *.**: # 0,.8>.C. >-C,C)*.C. -.C*: , 0.>.>*
8E>.E>*0* , 7ank 6harges *.**: #)-.** # >-C,1C).C. -.C*: >8 0,,88.10
8E>8E>*0* ) =nterest 6apitalized *.**: # 0,.,*.18 >80,)>..1> -.C*: , 0.,.*-
1E>.E>*0* , 7ank 6harges *.**: #)-.** # >80,,8C.1> -.C*: >1 0,),-.8*
1E>8E>*0* ) =nterest 6apitalized *.**: # 0,.C*.-* >8>,C8*.)> -.C*: , 0.,.C0
CE0>E>*0* . =nterest Date 6hange -.)*: # # >8>,C8*.)> -.)*: 0. 88).*)
CE>.E>*0* , 7ank 6harges *.**: #)-.** # >8>,C>).)> -.)*: 0, ->>.>>
0e% (nterest
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/age 00 of 01
0e% (nterest
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Amount
$apitali,ed
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CE>8E>*0* ) =nterest 6apitalized *.**: # 0,.,C.1, >8),)-).>. -.)*: , 0),..8
0*E>.E>*0* , 7ank 6harges *.**: #)-.** # >8),)01.>. -.)*: >8 0,>CC.,1
0*E>8E>*0* ) =nterest 6apitalized *.**: # 0,)),.8, >8.,1-0.C1 -.)*: , 0)).,.
00E0*E>*0* . =nterest Date 6hange ..C*: # # >8.,1-0.C1 ..C*: 0, ->1.10
00E>.E>*0* , 7ank 6harges *.**: #)-.** # >8.,10..C1 ..C*: 0. --1.18
00E>8E>*0* ) =nterest 6apitalized *.**: # 0,),0.)) >88,>)8.)> ..C*: , 0,,.8.
0>E>.E>*0* , 7ank 6harges *.**: #)-.** # >88,>*0.)> ..C*: >8 0,>0*.*0
0>E>8E>*0* ) =nterest 6apitalized *.**: # 0,,)).)) >81,.)..1- ..C*: , 0,).)>
0E>.E>*00 , 7ank 6harges *.**: #.*.** # >81,)C..1- ..C*: >1 0,>-*.80
0E>8E>*00 ) =nterest 6apitalized *.**: # 0,,C..8- >8C,1C0.-> ..C*: , 0,..*.
>E>.E>*00 , 7ank 6harges *.**: #.*.** # >8C,1)0.-> ..C*: >1 0,>--.1*
>E>8E>*00 ) =nterest 6apitalized *.**: # 0,)*>..* >10,>)).0> ..C*: , 0,..8*
,E>.E>*00 , 7ank 6harges *.**: #.*.** # >10,0C).0> ..C*: >. 0,0,-..,
,E>8E>*00 ) =nterest 6apitalized *.**: # 0,>8>.1C >1>,)-8.*0 ..C*: , 0,-.,-
)E>.E>*00 , 7ank 6harges *.**: #.*.** # >1>,)08.*0 ..C*: >1 0,>81.).
)E>8E>*00 ) =nterest 6apitalized *.**: # 0,)0..)0 >1,,1,>.)> ..C*: , 0,-.C.
.E>.E>*00 , 7ank 6harges *.**: #.*.** # >1,,81>.)> ..C*: >8 0,>,1.8.
.E>8E>*00 ) =nterest 6apitalized *.**: # 0,,8-.,8 >1.,0.1.8C ..C*: , 0,8.->
-E>.E>*00 , 7ank 6harges *.**: #.*.** # >1.,0*1.8C ..C*: >1 0,>C*.-)
-E>8E>*00 ) =nterest 6apitalized *.**: # 0,)>1.1C >1-,.,8.-1 ..C*: , 0,1.>-
8E>.E>*00 , 7ank 6harges *.**: #.*.** # >1-,)18.-1 ..C*: >8 0,>.*..-
8E>8E>*00 ) =nterest 6apitalized *.**: # 0,,1C.)C >18,188.08 ..C*: , 0,1.C,
1E>.E>*00 , 7ank 6harges *.**: #.*.** # >18,1>8.08 ..C*: >1 0,,*>.C)
1E>8E>*00 ) =nterest 6apitalized *.**: # 0,))>..> >1C,>-C.-1 ..C*: , 0,C..1
CE>.E>*00 , 7ank 6harges *.**: #.*.** # >1C,>0C.-1 ..C*: >1 0,,*C.>)
CE>8E>*00 ) =nterest 6apitalized *.**: # 0,))C.)C >C*,--C.01 ..C*: , 0)*.>.
0*E>.E>*00 , 7ank 6harges *.**: #.*.** # >C*,-0C.01 ..C*: >8 0,>-1..C
0*E>8E>*00 ) =nterest 6apitalized *.**: # 0,)*C..> >C>,*>1.8* ..C*: , 0)*.C,
00E>.E>*00 , 7ank 6harges *.**: #.*.** # >C0,C81.8* ..C*: >1 0,,>0.8,
00E>8E>*00 ) =nterest 6apitalized *.**: # 0,)-,.,> >C,,))>.*> ..C*: , 0)0..C
/age 0> of 01
0e% (nterest
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Amount
$apitali,ed
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Balance
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On this sheet:
All in)estment account transactions should be recorded on this sheet in order to calculate the in)estment
account statement balances& The calculations on this sheet accommodate an unlimited number of
interest rate chan"es and facilitate dail interest calculations& (n)estment account balances are
calculated and displaed on all transaction dates& 1ser input is limited to enterin" the transaction date2
transaction code2 ne% interest rate 3onl for interest rate chan"es4 and the transaction amount& All the
columns %ith a li"ht blue column headin" contain formulas that should be copied for all ne% transactions
that are recorded on this sheet&
On this sheet:
All in)estment account transactions should be recorded on this sheet in order to calculate the in)estment
account statement balances& The calculations on this sheet accommodate an unlimited number of
interest rate chan"es and facilitate dail interest calculations& (n)estment account balances are
calculated and displaed on all transaction dates& 1ser input is limited to enterin" the transaction date2
transaction code2 ne% interest rate 3onl for interest rate chan"es4 and the transaction amount& All the
columns %ith a li"ht blue column headin" contain formulas that should be copied for all ne% transactions
that are recorded on this sheet&
/age 0. of 01
(n)estment Summar
Total (n)estment of Funds 844,444.44 Total (nterest $apitali,ed 9:,/9;.48
Total #ithdra%al of Funds -/8,444.44 Total (nterest 5aid -
Total Bank $har"es -8,/*4.44 Total Other $osts -
6onth
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ar#>*0* >>-,C88.>* .*,***.** # #)-.** 0,)0>.-. # # >81,,),.1.
(pr#>*0* >81,,),.1. # # #)-.** 0,-,0.0. # # >8C,C>C.**
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<un#>*00 >1.,0.1.8C # # #.*.** 0,)>1.1C # # >1-,.,8.-1
Openin"
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(n)estment of
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#ithdra%al of
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Bank
$har"es
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/age 0- of 01
(n)estment Summar
6onth
Openin"
Balance
(n)estment of
Funds
#ithdra%al of
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Bank
$har"es
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$apitali,ed
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<ul#>*00 >1-,.,8.-1 # # #.*.** 0,,1C.)C # # >18,188.08
(ug#>*00 >18,188.08 # # #.*.** 0,))>..> # # >1C,>-C.-1
&ep#>*00 >1C,>-C.-1 # # #.*.** 0,))C.)C # # >C*,--C.01
Oct#>*00 >C*,--C.01 # # #.*.** 0,)*C..> # # >C>,*>1.8*
3ov#>*00 >C>,*>1.8* # # #.*.** 0,)-,.,> # # >C,,))>.*>
Aec#>*00 >C,,))>.*> # # #.*.** 0,)>>.C8 # # >C),10).CC
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(ug#>*0> ,*),801..* # # #.-.** 0,.>-.C* # # ,*-,01C.)0
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Oct#>*0> ,*8,--8.-1 # # #.-.** 0,)C0.C. # # ,*C,0*,.-,
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<an#>*0, ,0>,*)-.-- # # #-*.** 0,.-,.-> # # ,0,,..*.>C
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(pr#>*0, ,0-,)>8.,C # # #-*.** 0,.1...1 # # ,08,C.>.C8
/age 08 of 01
(n)estment Summar
6onth
Openin"
Balance
(n)estment of
Funds
#ithdra%al of
Funds
Bank
$har"es
(nterest
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(ug#>*0, ,>>,)80.C> # # #-*.** 0,-0..1- # # ,>),*>8.8C
&ep#>*0, ,>),*>8.8C # # #-*.** 0,->,.-- # # ,>.,.C0.).
Oct#>*0, ,>.,.C0.). # # #-*.** 0,.81.18 # # ,>8,00*.,0
3ov#>*0, ,>8,00*.,0 # # #-*.** 0,-,C.00 # # ,>1,-1C.)>
Aec#>*0, ,>1,-1C.)> # # #-*.** 0,.C,.1C # # ,,*,>>,.,0
<an#>*0) ,,*,>>,.,0 # # #-..** 0,-.).8* # # ,,0,10,.*0
;eb#>*0) ,,0,10,.*0 # # #-..** 0,1*1.0> # # ,,,,..-.0,
ar#>*0) ,,,,..-.0, # # #-..** 0,-,8..C # # ,,.,0>1.8>
(pr#>*0) ,,.,0>1.8> # # #-..** 0,1>0.-* # # ,,-,11..,>
ay#>*0) ,,-,11..,> # # #-..** 0,88>.*8 # # ,,1,.C>.,C
<un#>*0) ,,1,.C>.,C # # #-..** 0,1)*.)> # # ,)*,,-8.1>
<ul#>*0) ,)*,,-8.1> # # #-..** 0,8C*.,C # # ,)>,*C,.>0
(ug#>*0) ,)>,*C,.>0 # # #-..** 0,1.C.). # # ,),,118.-8
&ep#>*0) ,),,118.-8 # # #-..** 0,1-C.>0 # # ,).,-C0.18
Oct#>*0) ,).,-C0.18 # # #-..** 0,101.)* # # ,)8,))..>8
3ov#>*0) ,)8,))..>8 # # #-..** 0,111... # # ,)C,>-1.1>
Aec#>*0) ,)C,>-1.1> # # #-..** 0,1,8.>> # # ,.0,*)0.*,
On this sheet:
All the amounts on this in)estment account summar are automaticall calculated based on
the transactions that are recorded on the .Statement/ sheet& 7ou can add additional monthl
periods to the sheet b simpl copin" the formulas from one of the existin" ro%s& 0o user
input is required on this sheet&
On this sheet:
/age 01 of 01
(n)estment Summar
6onth
Openin"
Balance
(n)estment of
Funds
#ithdra%al of
Funds
Bank
$har"es
(nterest
$apitali,ed
(nterest
5aid
Other
$har"es
$losin"
Balance
On this sheet:
On this sheet:

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