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Thank you both very much. Have now got it cracked. As the sample says, for ‘future’ read ‘now’, and for ‘present’ read ‘past’. At least as far as the Future Value function is concerned.

Ok, Steve, so it’s possible.
But to me the only ‘function command’ I know is to type
=numtext(cellref) into a cell (actually, = if(cellref=””,””,numtext(cellref)) and set up the numtext bit to show 2 dec places and include the word ‘pound’) which it plurals for me.
I know where the VIsual Basic editor lives, but beyond that, almost zilch.
How do I extract the code from the function?
Thanks!
John

Thanks v much, all 3. Have run with the MOREFUNC method, which works a treat.
But if and only if the machine reading the file with the =numtext function in it is fitted up with the add-in.
Daft question – is there any way of ’embedding’ the function in the file, like a typeface can be embedded in a Word doc?
I suspect ‘no’ but the world is full of surprises, some of them nice.

Thanks v much, something for me to work on!
But first, maybe, to buy a bigger hard disc .