function future_worth_SPCAF ($present_worth, $interest_rate, $number_of_years)
{
//variable and initializations
$the_result = 0.0;
$SPCAF = 0.0;

//calculate future value with the
//single payment compound amount factor
$SPCAF = pow(1.0 + $interest_rate, $number_of_years);
$the_result = $present_worth * $SPCAF;

//return the value
return $the_result;
}

<?
include ("ajfinancial.php");

$present_value = 100.00; //100 dollars
$interest_rate = 0.06; //6 percent interest
$years = 2; //2 years

$future_value = future_worth_SPCAF($present_value, $interest_rate, $years);

echo "present value = $present_value<br>";
echo "interest rate = $interest_rate<br>";
echo "years = $years<br>";
echo "future value = $future_value<br>";
?>