can someone show me how i can do this on a financial calculator or on excel to get the same answer?

18. You have just made your first $5,000 contribution to your individual retirement account. Assuming you earn an annual rate of return of 9.75 percent and make no additional contributions, what will your account be worth when you retire in 45 years? What if you wait 10 years before contributing? (Does this suggest an investment strategy?) FV=PV x (1 + r) FVas= 5000(1 + 9.75)45 = 328,983.26 FV1= PV x (1 + r) FV35 = 5000(1 +9.75)35 = 129,756.32 This shows that there is more benefit to investing and saving sooner than later