please show work and formulas to better explain how to do the problems (not excel)

14. What is the future value in 10 years of an ordinary annuity with payments of $500 per month and a stated 6% annual rate? 15. You decide that when you retire 45 years from now, you will need retirement payments of $230,000 a year to live comfortably for the following 15 years (from years 45-60). These retirement payments are in the form of an annuity due. If money is deposited into an account with a yearly contract rate of interest of 13%, how much will you need to save every year (deposit in an account) for the next 45 years? Assume the first savings deposit starts one year from now and money remains in this account paying the same interest rate even after you retire