The formula you want is the Future Value formula, FV()

=FV([rate per period],[number of periods],[additional cash added per period],[starting value],[timing factor -> 0 for cash added at end of period (most common choice), 1 for cash added at beginning of period])

=FV(3%,10,-10000,-100000,0)

=$249,030.43

You enter the $10,000 per period and the $100,000 starting amount as negative numbers because those are the amounts leaving your wallet, then the $249,030.43 comes back into your wallet at the end, so that result is positive.

As is usual with spreadsheet programs, you can put all your inputs in separate cells to make them easier to change.

Because your rate and payment don't change, your payment structure is a simple annuity and this formula will work. If rate and/or payment change, you will need to do a little more work. Note that this can work for periods shorter or longer than one year. If you are making monthly payments and your stated annual rate is 3% but it is compounded monthly, then you will need to use 0.25% as the rate in the formula and put in your monthly payment amount.