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I now have $16,000 in the bank earning interest of 1.00% per month. I need $26,000 to make a down payment on a house. I can save an additional $100 per month. How long will it take me to accumulate the $26,000? (Do not round intermediate calculations. Round your answer to 2 decimal places. Use a financial calculator or Excel.)

Answer :

Answer:

time = 32.70

Explanation:

given data

present value = $16000

earning interest = 1.00% per month

future value = $26,000

save additional =  $100 per month

solution

we apply here future value annuity formula that is

future value annuity = present value × [tex](1+r)^{t}[/tex] + payment × [tex]\frac{(1+r)^t-1}{r}[/tex]    ..........1

put here value and we get

$26,000 = $16000 × [tex](1+0.01)^{t}[/tex] + $100 × [tex]\frac{(1+0.01)^t-1}{0.01}[/tex]

$26000  = $16000 × [tex]1.01^t[/tex] - 1 + $1000 × ( [tex]1.01^t-1[/tex]  )

$36000 + 1 = $26000 × [tex]1.01^t[/tex]

take ln both side and solve

t = 32.70

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