Thanks...that is helpful I can transpose the dates and cash flow...but the issue I am facing is how do I write that in the npv formula in SAS: For Example: I can write - PV_at_eff_date=finance('xnpv',59.85/100,d1-dn,c1-cn) But D1 to Dn is the number of columns created for Days and c1 - cn is the number or columns created for cashflow So for example ID 29 would be D1,D2,D3,...D53 for days and C1,C2,C3,...C53 for cashflow ID 31 would be D1,D2,D3,...D22 for days and C1,C2,C3,...C22 for cashflow How do I incorporate this into the NPV formula to give me the NPV of each ID using the different column numbers for Dates and CashFlow
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