Hi @sophiegerhard ,
Adobe Analytics by default will deduplicate the unique visitors for all months. That means, if a user is included in month of Jan & same user appears in March data, Adobe calculation will use that as 1 and not two as your calculation would have done in Excel. Also, when you are looking at longer reporting period, Adobe will count deduplicated vs. counting days. To understand it bit more, you can append raw data metrics along side your calculated metric and you will be able to see the difference for yourself.
If you are looking to report based on user volume, I would say, go with 14%.
More info - https://experienceleague.adobe.com/en/docs/analytics/components/metrics/unique-visitors
Hope this helps!
Best,
Isha