need help with calculatong Future value with formulas

M H 6 Exercise involves someone who plans to deposit regular annual amounts into a retirement savings plan such as a Roth Individual 7 Retirement Account (IRA). The deposits will increase in stages over time (with different levels in years 1-6, 7-30, and 31-40). 8 He/she will make deposits on each birthday for 40 years (for example 25 through 65), and then retire one year after the last deposit 9 is made (so interest will be earned on all deposits, including the final one). 30 1 Amount Deposited at Beginning of each of Years 1 - 6 $3,500 12 Amount Deposited at Beginning of Each of Years 7 - 30 $4,800 13 Amount Deposited at Beginning of each of Years 31 - 40 $5,400 14 Expected Average Annual After-Tax Rate of Return 4.48%% s Expected Number of Deposits 40 .6 Age When First Deposit Is Made 25 -7 -8 First, compute the expected total by finding the amount to which each individual deposit will grow by the retirement date (in Column F below). Then get the same tota 9 Age At The Remaining Value of Sum Values Beginning Years Until Annual Future Value Deposit At Of Equal Dep 2 Year Of The Year Retirement Deposit Factor Reitement At Retirement 3 1 25 40 $3,500 4 2 26 39 $3,500 3 27 38 $3,500 4 28 37 $3,500 7 5 36 $3,500 28 6 30 35 $3,500 29 7 31 34 $4,800 30 8 31 33 $4,800 9 33 32 $4,800 32 10 34 31 $4,800 33 11 35 30 $4,800 12 36 29 $4,800 35 13 37 28 $4,800 36 14 38 27 $4,800 37 15 39 26 $4,800 38 16 40 25 $4,800 39 17 41 24 $4,800 40 42 23 $4,800 19 43 22 $4,800 42 20 44 21 $4,800 21 45 20 $4,800 18