Future Value = (Current Balance + Annual Contribution × ((1 + r)^n - 1) / r) × (1 + r)^n? Actually, we use the formula for future value of a series with initial balance: FV = P × (1+r)^n + C × ((1+r)^n - 1)/r, where P = current balance, C = annual contribution, r = annual return rate, n = number of years. Assumes contributions at year end.