Please, I need this to be answered with detailed formulae:

Jane is 25 years old and plans to invest 3,000 every year, beginning at the end of this year, until she is 65 years old. She can invest in an account that pays 9.00% annually. How much will she have saved in 40 years when she turns 65 ? How would your answer change if she starts investing today and at the beginning of each year after that? Why? Explain your answer using the appropriate equations. Your explanation determines your grade. Show all your work and relevant equations