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Lump sum: FV = PV × (1+r)^n. Annuity: FV = PMT × [(1+r)^n − 1] / r. Real (inflation-adjusted) FV = nominal FV / (1+inflation)^n. Compounding frequency matters: daily compounding at 5% yields slightly more than annual compounding. Time is the most powerful lever—doubling the period roughly squares the multiplier at the same rate.
Future value
$8,144.47
Annual compounding; no new deposits.