please show me step by step in excel, either typing in the equation or using the formulas tab. thank you

all answers must be formulas

Calculating annuity payments - Excel 2 FILE HOME INSERT PAGE LAYOUT FORMULAS DATA REVIEW VIEW X Arial -12 A A 9 Paste BIU Alignment Number Conditional Format as Cell Formatting - Table Styles Cells - Editing Clipboard Font Styles D21 HH B D E G H You want to be a millionaire when you retire in 40 years. How much do you have to save each month if you can earn an annual return of 1015 percent? How much do you have to save each month if you wait 10 years before you begin your deposits? 20 years? 4 5 6 $ 7 8 9 Amount needed Years to save Months per year APR Years to wait before beginning Years to wait before beginning Years to wait before beginning 1.000.000 40 12 10.5% 0 1 -2. 10 20 3 -5 Complete the following analysis. Do not hard code values in your calculations. All answers should be positive. 6 7 Monthly deposit if you begin today 8 9 Monthly deposit if you wait 10 years G 1 Monthly deposit if you wait 20 years Sheet1 RFATY