**IMPORTANT:** Numeric entry fields must not contain dollar signs, percent signs, commas, spaces, etc. (only digits 0-9 and decimal points are allowed).

Click the **Terms** tab above for a more detailed description of each entry.

#### Step #1:

Select either *Annuity Due* or *Ordinary Annuity* from the drop-down menu.

#### Step #2:

Enter the amount you would like to have saved within the desired time frame.

#### Step #3:

Enter the number of years between now and when you would like to achieve your savings goal.

#### Step #4:

Enter the annual rate of return you expect to earn from your investment.

#### Step #5:

Select the your preferred interval for making deposits to your goal account.

#### Step #6:

Tap the "Calculate Payment Needed" button. This will display the calculated future value of your present savings, the shortfall, the payment needed to eliminate the shortfall, and a year-to-year growth chart.

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