GivenGiven data: Marcela needs to have $61,000 in 10 years on a savings plan that requires monthly contributions. If she can earn 12 percent APR with monthly compounding on the savings plan.The formula for the future value of annuity due is:FV = P × (((1 + r)n - 1) / r) × (1 + r)Where FV is future value, P is payment, r is the interest rate, and n is the number of periodsWe have to determine the amount that Marcela will have to invest every month for the next 10 years.The future value of Marcela's monthly deposits after 10 years is the sum of all her contributions and the compound interest earned on those contributions.The formula for the future value of an annuity with compound interest can be written as:FV = P * ((1 + r/k)^(n*k) - 1) / (r/k)Where,FV = Future value of the investmentP = Periodic paymentr = Annual interest ratek = Number of compounding periods per yearN = Number of yearsTherefore, the amount that Marcela will have to invest every month for the next 10 years is $295.83 (approx) rounded to two decimal places.