Using the FV=PV*(1+r)t FV=PMT*[(FVt-1/r] Finding out how much annual amount needed to deposit for the next 20 years for 4 years of college 20 years from now college tuition of 35,244.00 @ 8% . nit need to compound it at a reasonable inflation rate for education-related expenses for x number of years last of all calculate this projected cost than find the annual deposit needed to accomplish the goal.