If you deposit $30 at the end of every month for 30 years(65 - 35), or 30 x 12 =360 months at 4.5% compounded monthly, then you should have =$22,781.58 in your IRA when you retire at 65.
$22,781.58 - [$30 x 360] = $11,981.58 - Interest earned on your IRA
+234 
