Hi Drffc

The simplest way as a beginner would be to use the function wizard to insert a PMT function. This calculates compound interest and is mainly used for mortgages. As for getting to start back in 1994 I do not know, but as that was 19 years ago, simply set the function to base it on a 19 year term. I can upload an example later after work if you have not been able to solve it.

Ben