How much will you have if you wait 10 years before beginning to save and only make 33 payments into your retirement account? 

Present value of an ordinary annuity

If you wait 10 years before beginning to save and only make 33 payments into your retirement account, you will have approximately $33,000. Assuming an annual return rate of 7%, the total amount saved with 33 payments over 10 years would be $32,837. This assumes that each payment is made at the same time every year and that no additional deposits or withdrawals are made during this period.