To answer the OP, I'm going to assume you understand Time Value of Money.

Then it's a simple thing of putting in 0 PV, 12 Payment (paying $1/mo for 12 mo./yr) for 10 years, FV of 173, and you see MMM used a rate of about 8%.

Thus $1 per month, for 10 years, at 8%, will turn into about $173.

If you need more explanation, let us know and I'm sure someone can help out, but hopefully that's enough to get you started.