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Write the intended model
A fictional deposit is 1,000 now with no further payments for two annual intervals at 5%. Under the depositor perspective use PV = −1,000, N = 2, I/Y = 5, P/Y = C/Y = 1 and PMT = 0. The target FV magnitude is 1,102.5.
Inspect an unwanted stored payment
| PMT | Expected FV | Meaning |
|---|---|---|
| 0 | +1,102.5 | Only the initial deposit |
| −50 | +1,205 | Initial deposit plus two end-period deposits |
Explicitly enter zero for the unused quantity
- Replace the unintended recurring amount0PMT
PMT is zero; the model no longer includes the two extra outflows.
- Recompute with the intended stateCPTFV
The expected result returns to +1,102.5.
Explain the discrepancy
The extra future value is 50 × 1.05 + 50 = 102.5. The discrepancy is a different modeled schedule, not display precision. Inspect stored quantities and settings first, and retain the incorrect state in your error log so its cause remains understandable.