Calculation in Excel, when is the investment profitable

TEST_2_Calc_.XML.TXT Hello, interest rates on call money and savings bonds are now available again. The question is wait or invest.

• Call money 0,6%
• Savings bond 2,0%

In 6 months it may be 3%. Therefore the question, can I represent in Excel that, when it is worthwhile to invest now already 2%, if also immediately in the autumn it gives 3%. The bottom line is that waiting may not be so good. Similar to the break even analysis. Thanks for tips. Greetings Markus

Rename the file from txt to xml, load it into Excel.

<?xml version="1.0"?>
<?mso-application progid="Excel.Sheet"?>
<Workbook xmlns="urn:schemas-microsoft-com:office:spreadsheet"
 xmlns:o="urn:schemas-microsoft-com:office:office"
 xmlns:x="urn:schemas-microsoft-com:office:excel"
 xmlns:ss="urn:schemas-microsoft-com:office:spreadsheet"
 xmlns:html="http://www.w3.org/TR/REC-html40">
 <OfficeDocumentSettings xmlns="urn:schemas-microsoft-com:office:office">
  <AllowPNG/>
 </OfficeDocumentSettings>
 <ExcelWorkbook xmlns="urn:schemas-microsoft-com:office:excel">
  <WindowHeight>8970</WindowHeight>
  <WindowWidth>24885</WindowWidth>
  <WindowTopX>0</WindowTopX>
  <WindowTopY>0</WindowTopY>
  <ProtectStructure>False</ProtectStructure>
  <ProtectWindows>False</ProtectWindows>
 </ExcelWorkbook>
 <Styles>
  <Style ss:ID="Default" ss:Name="Normal">
   <Alignment ss:Vertical="Bottom"/>
   <Borders/>
   <Font ss:FontName="Calibri" x:Family="Swiss" ss:Size="11" ss:Color="#000000"/>
   <Interior/>
   <NumberFormat/>
   <Protection/>
  </Style>
 </Styles>
 <Worksheet ss:Name="Tabelle1">
  <Table ss:ExpandedColumnCount="7" ss:ExpandedRowCount="10" x:FullColumns="1"
   x:FullRows="1" ss:DefaultColumnWidth="60" ss:DefaultRowHeight="15">
   <Row ss:Index="5">
    <Cell ss:Index="3"><Data ss:Type="Number">2</Data></Cell>
   </Row>
   <Row>
    <Cell ss:Index="2"><Data ss:Type="Number">10000</Data></Cell>
    <Cell ss:Formula="=RC[-1]*R[-1]C%"><Data ss:Type="Number">200</Data></Cell>
   </Row>
   <Row ss:Index="9">
    <Cell ss:Index="3"><Data ss:Type="Number">0.6</Data></Cell>
    <Cell><Data ss:Type="Number">0.9</Data></Cell>
    <Cell><Data ss:Type="Number">1.2</Data></Cell>
    <Cell><Data ss:Type="Number">4</Data></Cell>
   </Row>
   <Row>
    <Cell ss:Index="2"><Data ss:Type="Number">10000</Data></Cell>
    <Cell ss:Formula="=R10C2*R[-1]C%/4"><Data ss:Type="Number">15</Data></Cell>
    <Cell ss:Formula="=R10C2*R[-1]C%/4"><Data ss:Type="Number">22.500000000000004</Data></Cell>
    <Cell ss:Formula="=R10C2*R[-1]C%/4"><Data ss:Type="Number">30</Data></Cell>
    <Cell ss:Formula="=R10C2*R[-1]C%/4"><Data ss:Type="Number">100</Data></Cell>
    <Cell ss:Formula="=SUM(RC[-4]:RC[-1])"><Data ss:Type="Number">167.5</Data></Cell>
   </Row>
  </Table>
  <WorksheetOptions xmlns="urn:schemas-microsoft-com:office:excel">
   <PageSetup>
    <Header x:Margin="0.3"/>
    <Footer x:Margin="0.3"/>
    <PageMargins x:Bottom="0.78740157499999996" x:Left="0.7" x:Right="0.7"
     x:Top="0.78740157499999996"/>
   </PageSetup>
   <Selected/>
   <Panes>
    <Pane>
     <Number>3</Number>
     <ActiveRow>10</ActiveRow>
     <ActiveCol>6</ActiveCol>
    </Pane>
   </Panes>
   <ProtectObjects>False</ProtectObjects>
   <ProtectScenarios>False</ProtectScenarios>
  </WorksheetOptions>
 </Worksheet>
</Workbook>