First, you need to get the 6% of $95 which would be: $5.70. Then you need to multiply $5.70 to 11 to know how much of the 6% of $95 will be added at the end of 11 years. It will leave you with $62.70. Since you're adding $18 per year, you need to multiply it by 11 which would be $198. Now that you calculated all the money you will be having at the end of 11 years, you just need to add them all up. Since you have already $95 + $62.70 + $198 = $355.70. The total money you will be having is $355.70.