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By the way, if you need the interest rate to change, you can do it manually by going in to the first month of year 5 and altering the interest rate... If you REALLY want it to do it for you, and you are a VERY VERY good boy, let me know and I will write you a programme that does that. asy :D

try the spreadsheet attached. I recently wrote it for something else, but I have modified it and think it should work for what you want. If you need it to be more than 10 years (which you probably will) just copy the cells across. hope it helps. asy :D