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Build it in excel. Very simple. Simple google search will show the steps. I tried to type out but too confusing.
First, if MS doesn’t have the reporting or tech to figure that out then what the heck are you doing there. Second, if MS finds you doing anything that is not in the MS handbook you will be toast.
Invest in a financial calculator. Much more convenient and flexible (for this sort of problem) than a spreadsheet. You can buy an actual calculator or download one from any smart phone app store. It takes a little effort to figure it out - but it is worth it.