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| (S) | (k) | ( )(n) | (j) | - ( ) | (j) | |
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t=0,1,2,,n :
CO 
=(Y (1-(1+j) 
))/j + S/(1+j) 
,
CO - t;
j- ( );
t- : 0- , 1 ..;
n- (- );
S ;
Y- , S*k.
(k - ). Excel , , n=10, S=1200, j=16%, k=12%. Excel.
| A | B | C | D | E | F | G | H | I | J |
| t | n-A | j | 1+C | D 
| 1/E | (1-F)/C | Y*G | S/E | H+I |
| =10-A2 | 0,16 | =1+C2 | =D2^B2 | =1/E2 | =(1-F2)/C2 | =1200*0,12*G2 | =1200/E2 | =H2+I2 | |
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