Compound Interest Calculator

Future Value of Deposits with 8% Interest

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Question

Assume you deposit $800 now into an account that had nothing in it previously, make an additional deposit of $800 in 2 years, and a final deposit of $800 in 4 years. How much is in your account in 5 years, if the account earns interest at 8% per year, compounded annually?

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Explanations

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A

Solve this question by working several compound interest problems, moving each dollar amount over to year 5. On the BAII Plus, press 5 N, 8 I/Y, 800 PV, 0 PMT,

CPT FV, which yields $1,175.46. Then press STO 1, 3 N, CPT FV, which yields $1,007.77. Then press + RCL 1 = STO 1. Then press 1 N, CPT FV, which yields

$864.00. Then press + RCL 1 = to see the answer. On the HP12C, press 5 n, 8 i, 800 PV, 0 PMT, FV. Then press STO 1, 3 n, FV. Then press RCL 1 + STO 1.

Then press 1 n, FV. Then press RCL 1 + to see the answer. Note that the answer will be displayed as a negative number. Also note that the value of "N" for each dollar amount is based on the distance from year 5. Make sure that the BAII Plus has the P/Y value set to 1.