# In 000's
pv = 400
savings_rate = 0.10
ir = 0.025
periodicity = 4
years = 20

cf = pv * savings_rate
nper = periodicity * years
irper = ir / periodicity
cfper = cf / periodicity

terminal_value = pv * (1 + irper) ** nper
sum_of_cfs = 0

for n in range(nper):
    this_cf = cfper * ((1 + irper) ** n)
    print("CF in period %d = %0.2f" % (n, this_cf))
    sum_of_cfs += this_cf

fv = terminal_value + sum_of_cfs

print("FV of savings = ${:,.2f}".format(fv))