Algorand
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How to calculate compounding earnings ivo Governance rewards?

So maths isn't my forte, and I'm wondering how to calculate earnings based on the following information: * Participation rewards continuing until end of 2022 (looking at our current rate of 5-7% APY) * Governance rewards being introduced in Q4 of 2021 - October onwards (pessimistically looking at 10-15% APY - low participation going up to 33%) * Putting in a set amount monthly from my salary (e.g. $1000 every month) Can I have some help with how to structure my calculations? Lol I'm trying it on an excel sheet but getting confused with all the different changes.
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