Time value Personal Finance Problem You can deposit $9,000 into an account paying 12% annual interest either today or exactly 5 years from today. How much better off will you be 40 years from now if you decide to make the initial deposit today rather than 5 years from today? The future value at the end of 40 years if you deposit $9,000 at 12% today is $ 837,458.73. (Round to the nearest dollar.) The future value at the end of 40 years if you deposit $9,000 at 12% 5 years from today is $1- (Round to the nearest dollar.)