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setting up an investing system is an effective way to grow wealth long term by using smart formulas in google sheets or excel we can easily figure out what is the optimal method to docHub personal financial goals how do we figure out how much to invest every month what is the future size of our portfolio based on current investing behaviors and what amount do we need invested already to docHub our retirement goal this investment planning tool uses the payment future value and present value formulas to answer all these questions the tool lets us plan our investing method by entering data ing to our situation for example lets say theres a hypothetical investor who wants to figure out how much to invest periodically to docHub 1 million dollars by a certain age so we enter the one million dollar goal next the expected annual return most people enter 10 because the average yearly return of the s p 500 since the 1920s has been 10 i like to reduce it to seven percent as im adjusting to inflat