can someone do this without fvifad etc? Just manually? I haven't learned those factors. The answer is 204. Thanks!

Problem 1: Time Value of Money You open a saving account that pays a nominal annual interest of 12% which compounds monthly. In this account, you will make equal deposits during the 0, 2, and 4th month. Starting the 6th month, you are planning to withdraw $ 150 for four consecutive months. How much do you need to deposit in order to have $ 45 after the fourth withdrawal of money