if you could provide the formula used that would be amazing! Thank you!

You are starting to plan for your eventual retirement, and you've decided you would like to retire in 43 years. Your goal is to be able to provide yourself with a $180,000 real annual income for 40 years at that point. To achieve this goal you plan to make equal sized deposits at the end of each month until you retire, starting today. You assume that you will be able to earn a 9.7% return until retirement, and a 5.7% return during retirement. You also assume that inflation will be 5.2% per year. How much will you need to save each month to reach your goal? During retirement you will withdrawal your income at the start of the year. (20 points total)