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{"sheet":"Instalment Calculator","index":0,"n_rows":17,"n_cols":4,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
["Instalment Plan Calculator"]
[]
["Total cost to buy back previously opted out service",0,null,"This is the sum of the \"net cost to buy back opted-out service\" and \"interest charge\" on your illustration"]
[]
["Date of illustration ",null,null,"This can be found on your personal illustration"]
[]
["How many monthly instalments do you want to repay the contributions over",0,null,"The number of months you want to repay the reinstatement contributions"]
[]
["Additional interest (from date of illustration) ",{"$f":"Calculations!B11","v":0}]
[]
["Current NS&I interest rate ",{"$f":"Calculations!B2","v":3.2999999999999918E-2}]
[]
["The monthly repayment amount is ",{"$f":"Calculations!B15","v":{"$error":"#DIV/0!"}}]
[]
["Total repayable (plus interest)",{"$f":"B13*B7","v":{"$error":"#DIV/0!"}}]
[]
["Total interest payable",{"$f":"B15-B3","v":{"$error":"#DIV/0!"}}]

{"sheet":"Calculations","index":1,"n_rows":18,"n_cols":11,"rows_kept":18,"cut":false,"hidden":true,"merged":[]}
["Interest Rates",null,null,"Effective from","NS&I Rate","Days at rate","Average rate for period",{"$f":"TODAY()","v":"2025-09-15"},null,"Amount of overpayment","Period of re-payment"]
["Current NS&I Direct Saver Interest Rate",{"$f":"E2-1","v":3.2999999999999918E-2},null,"2025-03-05",1.0329999999999999,{"$f":"IF($B$6>D2,$H$1-$B$6,$H$1-D2)","v":194},{"$f":"E2^(F2/365.25)","v":1.0173942711138626},null,null,3000,24]
["Based on simple interest at the NS&I Direct Saver Rate at the date of calculation",{"$f":"B2/12","v":2.7499999999999933E-3},null,"2024-12-20",1.0349999999999999,{"$f":"IF($B$6<D2,IF($B$6>D3,D2-$B$6,D2-D3),0)","v":75},{"$f":"E3^(F3/365.25)","v":1.0070889565234933},null,null,10000,60]
[null,null,null,"2024-11-20",1.0375000000000001,30,1.0030283110564349,null,null,20000,90]
["Additional Interest",null,null,"2024-05-23",1.04,181,1.0196259693476684,null,null,50000,144]
["Date of letter + 1 month",{"$f":"EDATE('Instalment Calculator'!B5,1)","v":"1900-01-31"},null,"2023-08-18",1.0365,{"$f":"IF($B$6<D5,IF($B$6>D6,D5-$B$6,D5-D6),0)","v":279},{"$f":"E6^(F6/365.25)","v":1.0277625204493888},null,null,100000,180]
["Days Interest",{"$f":"_xlfn.DAYS(H1,B6)","v":45884},null,"2023-07-13",1.034,{"$f":"IF($B$6<D6,IF($B$6>D7,D6-$B$6,D6-D7),0)","v":36},{"$f":"E7^(F7/365.25)","v":1.0033008552729612}]
["Is Additional Interest Due",{"$f":"IF(B7<1,\"No\",\"Yes\")","v":"Yes"},null,"2023-02-14",1.0285,149,1.0115296507708476]
["Average interest rate from date of initial letter + 1 month",{"$f":"G13","v":1.1035481924642117},null,"2023-01-24",1.026,21,1.0014768531485094]
["Total Amount plus interest at date of initial letter",{"$f":"'Instalment Calculator'!B3","v":0},null,"2022-12-13",1.0229999999999999,42,1.0026182291273764]
["Additional Interest (from date of initial letter)",{"$f":"IF(B8=\"Yes\",B10*(B9-1),0)","v":0},null,"2022-10-25",1.018,49,1.0023961749099339]
[null,null,null,"2022-07-21",1.012,{"$f":"IF($B$6<D11,IF($B$6>D12,D11-$B$6,D11-D12),0)","v":96},1.0031401500991282]
["Total Instalment Plan",null,null,null,null,null,{"$f":"G2*G3*G4*G5*G6*G7*G8*G9*G10*G11*G12","v":1.1035481924642117}]
["Total to repay (with interest calculated to mid point) plus additional interest",{"$f":"'Instalment Calculator'!B3*(1+('Instalment Calculator'!B7/2)*Calculations!B3)+B11","v":0}]
["Monthly instalment",{"$f":"B14/'Instalment Calculator'!B7","v":{"$error":"#DIV/0!"}}]
[]
["Total Plan Length"]
["Maximum intstalment plan",{"$f":"IF($B$10<=$J$2,$K$2,IF($B$10<=$J$3,$K$3,IF($B$10<=$J$4,$K$4,IF($B$10<=$J$5,$K$5,$K$6))))","v":24}]