The formula is
Contribution = Money to accumulate * ( interest / (( interest +1) ^( frequency * period) -1)))
The rate is 4% per year so it is .04 /12 = .003333333
5000 * ( .0033333333 / ((.0033333333+1)^ (12*2) -1) )
200.45794
Rounding to the nearest cent
200.46 cents per month
