I have a known future value = $300,000 worth of stock options in year 2012.

A third of this value $100,000 will vest on 12/31/2010.
A third of this value $100,000 will vest on 12/31/2011.
A third of this value $100,000 will vest on 12/31/2012.

Estimated rate of increase per year 5%.

How do I find the present value at the end of each year for the vested stock
options and have my present value plus interest earned equal my future value.

I have tried to use PV tables and get a total of PV amounts plus interest
that is greater then my future value.

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Thanks
Q