Hi gang, I need help with a formula if somebody with an enormous brain and generous heart has some spare time. I need to work out what 9% of $60,000 ($5400) invested annual at 7% (net of fees and taxes) would grow to in 30 years, with the $60,000 increasing by 3% inflation each year (so the figure that 9% amounts to grows each year). There is also a starting balance of $100,000. I then need to be able to alter that 9% and make it 12% to see what the difference would be in the result. If anybody can help a maths knucklehead such as myself that would be wonderful. Thanks ... Nick.