What is present amount worth & future amount worth? (Use graphs and equations) Suppose you are offered the alternative of receiving either $3,000 at the end of five years or P dollars today. Because you have no current need for the money, you would deposit the P dollars in an account that pays 8% interest. What value of P would make you indifferent to your choice between P dollars today and the promise of $3,000 at the end of five years?