@bdunks I have started to use your Excel version. Congrats again for making it user friendly for those who have used the Google version. Now I note that in the Google version when you insert other opening balance investments it puts the values in at the start of the year. As a result the projected income will be calculated for the whole of that year. ie the start of the projection. In your version it does not go to the “start of the year” column but rather to investment adjustments. So no income calculated for the year. Could this be adjusted ? I tried a few things to workaround it but its not as clean as Google.