Wendy,There are beaucoup websites that offer free spreadsheets (in Excel or other formats) plus more add-ins, add-ons, and tweaks that anyone could ever explore or ulitize. That's the places to go looking. Also, I know there's plenty of free bond management programs out there, because I stumble across them from time to time.I'm no Excel whiz, but it ought to be possible (even with your version of Excel) to write a "macro" which will duplicate what the YIELDDISC furmula does. Do some poking around before I try creating a "long-hand" version which might casue you more grief than just re-inventing the formula to match your own software. I'm not trying to duck your request. I just think it's a back-door approach compared to what else might be done. Charlie
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