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John deposits a certain amount that is compounded continuously at 8% interest. Find the number of years it takes to double the amount.

User Bryan Rowe
by
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1 Answer

10 votes

Answer:

about 8.66 years

Explanation:

The multiplier of account value when interest is compounded continuously is ...

k = e^(rt)

where r is the annual interest rate, and t is the number of years.

Setup

We want to find t when k=2 and r=0.08. Putting these values in the formula gives ...

2 = e^(0.08t)

Solution

Taking logs of both sides, we have ...

ln(2) = 0.08t

t = ln(2)/0.08 = 0.693147/0.08 ≈ 8.66

It takes about 8.66 years to double the amount.

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Additional comment

If the interest rate is expressed in integer numbers of percentage points (R%), then the doubling time is ...

t = 100·ln(2)/R ≈ 69.3147/R

Here, that is 69.3147/8 ≈ 8.66.

The "rule of 72" is used to estimate the doubling time for periodically compounded interest at rate R%. That rule tells you the time is t ≈ 72/R. For most interest rates and compounding frequencies in a reasonable range, this gives a time within a reasonable amount of error.

For continuously compounded interest, we have shown the doubling time in years is 69.3147/R. (The exact value of the constant is 100·ln(2).) For the purpose here, a constant of 69.3 gives an estimate accurate to 3 sf.

User Socksocket
by
6.2k points
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