The worksheet library
Future costs: show the assumption
Explore duration, price growth and discounting transparently.
Begin with a monthly scenario
Choose a monthly amount and duration that you want to examine. A care plan or quote may inform a scenario, but the worksheet does not assess treatment, prognosis or need. Changing the duration is a what-if exercise, not a recovery forecast.
Two totals answer different questions
Nominal future cost adds projected payments as they occur. Present value discounts those payments back to today using your entered annual rate. The tool shows both so a discount assumption cannot disappear inside a single headline number.
How this tool works
Payments occur at the end of each month. The first payment equals your monthly entry; later payments grow by your annual price-growth assumption converted to fractional years. Every payment is discounted using its month. Zero growth and zero discount produce monthly amount × months.
Keep the rates yours
The default rates are zero. They are not actuarial, statutory or court-prescribed rates. Ask a professional which assumptions fit the purpose, tax treatment and jurisdiction before using a discounted total in a decision.
Test one change at a time
Compare twelve versus twenty-four months while holding the monthly amount constant. Then compare the growth rate. Write down why each changed. You will see which assumptions move the result without pretending that the widest scenario is a likely award.
See your assumptions together.
Use the financial-impact worksheet to organise entered costs and questions.
Open the worksheet ↗