The attached spreadsheet works just fine. It's very easy to use and many people I've given it to, have found it very useful.
However, the four levels of one/zero logic that I used, seem clumsy and rather inelegant .... I couldn't think any other way of doing it.
My Question .... How would you have done it!
The sheet is ready to go with sample data. It has real life annual, monthly, bi-monthly, quarterly and 10/12 monthly payments.
Just click on a month and the total to be paid for that month will be displayed.
(Best viewed on a good sized wide screen monitor)
To enter new payments, go to the red text area and enter the amount, the day of the month and a 1 for each payment month.