{"id":54195,"date":"2026-04-03T11:45:34","date_gmt":"2026-04-03T11:45:34","guid":{"rendered":"https:\/\/certifeka-edu.com\/programs\/finance-for-strategic-managers-accounting-module-2\/lessons\/lesson-8-determining-deposits-needed-to-accumulate-a-future-sum-5-2\/"},"modified":"2026-04-03T11:45:34","modified_gmt":"2026-04-03T11:45:34","slug":"lesson-8-determining-deposits-needed-to-accumulate-a-future-sum-5-2","status":"publish","type":"lesson","link":"https:\/\/certifeka-edu.com\/ar\/programs\/executive-financial-analysis-module-ucam-university\/lessons\/lesson-8-determining-deposits-needed-to-accumulate-a-future-sum-5-2\/","title":{"rendered":"Lesson 8: Determining deposits needed to accumulate a future sum"},"content":{"rendered":"

\"\"<\/p>\n

Lesson 8: Special Applications of the time value<\/h2>\n

Determining deposits needed to accumulate a future sum<\/h3>\n

Calculate the deposit amount needed to reach a specific future sum such as a home or automobile down payment.<\/h5>\n
The “deposit needed for a future sum” simulation will calculate the deposit amount you need to make in order to meet your financial goal.<\/h5>\n
It can be used to calculate how much you should save in order to meet your future retirement needs or to help you determine how much you need to regularly save in order to make a down payment on a house or car.<\/h5>\n

Example<\/h3>\n

Suppose you want to buy a house 5 years from now, and you estimate that an initial down payment of $30,000 will be required at that time.<\/h5>\n

\"\"<\/p>\n

To accumulate the $30,000, you will wish to make equal annual end-of-year deposits into an account paying an annual interest of 6 %<\/h5>\n
In the current problem, we know the future value we want to achieve, $30,000, but we want to solve for the annual cash payment that we’d have to save to achieve that goal.<\/h5>\n
Solving Equation 5.9 (FV of ordinary annuity) for CF gives the following:<\/h5>\n
Spreadsheet Use In Excel, solving for the annual cash flow that helps you reach the $30,000 means using the payment function. Its syntax is PMT(rate, nper, pv, fv, type). All of the inputs in this function have been discussed previously.<\/h5>\n

\"\"<\/p>\n

The Excel spreadsheet illustrates how to use this function to find the annual payment required to save $30,000.<\/h5>","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-54195","lesson","type-lesson","status-publish","hentry"],"yoast_head":"\nLesson 8: Determining deposits needed to accumulate a future sum - Certifeka-edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/certifeka-edu.com\/ar\/programs\/executive-financial-analysis-module-ucam-university\/lessons\/lesson-8-determining-deposits-needed-to-accumulate-a-future-sum-5-2\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lesson 8: Determining deposits needed to accumulate a future sum - Certifeka-edu\" \/>\n<meta property=\"og:description\" content=\"Lesson 8: Special Applications of the time value Determining deposits needed to accumulate a future sum Calculate the deposit amount needed to reach a specific future sum such as a home or automobile down payment. 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