I am looking for some help.  I am making a loan calculator and if I use a number with two decimal places for the year I do not get an accurate FV.  If I use 1 decimal place there is no issues.  ie  I can use 3.5 without a problem but if I use 3.49 the results do not match what excel produces for FV.

I am a bit OCD with things having to be perfect so this is not really acceptable for me.  Any suggestions?