Need step by step solution And DON'T use table format and Excel formulaDON't USE (interest table eg: (A/G, 10%, 5) )

ONLY USE PRESENT / FUTURE VALUE FORMULA TO FIND THE ABOVE ANSWER.

Ray Witmer, an engineering professor at UTM, is preparing to retire to his farm and care for his cats and dogs. During his many years at UTM he invested well and has a balance of $1,098,000 in his retirement fund. How long will he be able to withdraw $100,000 per year beginning today if his account earns interest at a rate of 490 per year