Function EFFECTyan(APR1 As Variant, n1 As Integer, n2 As Integer) As Variant ' author yuxing.yan at canisius dot edu ' date : 2/4/2013 Dim i, n, roduct As String If n1 > 365 And n2 > 365 Then EFFECTyan = APR1 ElseIf n1 > 365 And n2 < 365 Then EFFECTyan = Exp(APR1) ^ (1 / n2) - 1 ElseIf n1 < 365 And n2 > 365 Then EFFECTyan = n1 * Log(1 + APR1 / n1) Else EFFECTyan = (1 + APR1 / n1) ^ (n1 / n2) - 1 End If End Function