In all modes, a two-part table is calculated, one for future accumulation and the other for current withdrawal. In the first case, a regular sum is paid and accumulated amount is determined by the deadline. In the second case, the one-time calculated amount shall be paid and shall be withdrawn regularly until it is exhausted to the deadline. Table can be saved as .txt file for printing.
The periodic interest is calculated by dividing the annual interest rate by the number of payments per year. Future value is determined by the formula FV = R ((1 + i) ^ n-1) / i, and the Present value is determined by the formula PV = R (1- (1 + i) ^ (- n)) / i. where i is the interest for the payment period, R is the deposit and n is the number of payments.