Please confirm if I am executing the following questions correctly:

Are you better off playing the lottery or saving the money? Assume you can buy one ticket for $5, draws are made monthly, and a winning ticket correctly matches 6 different numbers of a total of 49 possible numbers.

A.What would your $400.43 be worth if you invested it at 1% real interest for 47 years?

FV=PMT*(1+i)^n-1/I

FV=400.43*(1+.01)^47-1/.01

FV=$23,876.18

B.If, instead, you wrote down your 6 numbers on a piece of paper, and deposited your $5 in a bank at 1% real interest, how much would you have at the end of the first year?

FV=5*(1+.01)^1-1/.01

FV=$5.00

C.If you did this every year for 47 years, how much would you have at age 65?

FV=5*(1+.01)^47-1/.01

FV=$298.13

D.If you earned 5% real interest on your deposits, how much would you have at age 65?

Which formula would I use?