FV of a Combination of a Single Lump Sum and a Series of Multiple Equal Sums (annuity): Hellen is planning to retire after 15 years. In preparation for retirement, Hellen invested $5,000 in a savings account that pays 4.5% interest per year compounded monthly. In addition to the $5,000, Hellen is planning to deposit $200 at the end of each month in the same account for the next 15 years. How much will be in the savings account after 15 years right before retirement? Example of Answer: 546.96 or 546.90 or 546.00 Two decimal points. No comma,