Enter your information in the yellow highlighted cells and the spreadsheet will automatically perform the calculations for you. I developed this spreadsheet to help people understand the concept of the time-value of money as well as to understand the importance of having as much money working for you as possible. The more money you put into your house, the lower your return on that investment because the leverage is decreased. Additionally, your house is going to appreciate at whatever rate the market dictates; having more money tied up in your house doesn’t get you a better return (as noted above). Conversely, the more money you have in an investment account, the more wealth you can create. Feel free to run some numbers and leave any questions or comments. If you would like to meet with me to discuss the numbers, I’m happy to do that. My contact information is on the About page.