Day 72 · Wednesday, 14 October 2026
From the archive
Project a reserve fund that already holds a balance and gets monthly top-ups with FV
FV doesn't have to start from zero — handed a starting balance alongside the regular contributions, it grows both at once in a single call instead of needing two projections added together.
Task:
You manage facilities for a property management company that keeps a reserve fund for major equipment replacements. The building's HVAC system will need replacing in 6 years. The reserve fund already holds $4,000, invested at 4% annual interest compounded monthly, and the company sets aside a further $150 a month into the same fund. In B6, use FV to project the fund's balance in 6 years. In B8, work out the surplus or shortfall against the $18,000 replacement cost in B7.
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