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Creating a spreadsheet that makes calculations based the timing of certain variables

I'll try to explain as simply as possible.  See the attached spreadsheet.  I have variables written on tab one that i refer to in tab two.  simply say someone is investing $1k every month for 120 months and the variables indicate what and when the return on the investment will be paid back.  You'll see that i manually calculated the first investment over the 10 year payback period but I need something written so that if the variables change - namely the timing of payback changes than i don't have to go back and manually make changes to the model.
Microsoft Excel

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8/22/2022 - Mon

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Brilliant!  It looks like it works perfectly!  Thanks!
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