This is the formula for compounded interest.
P is the principal investment,
r is the rate (6%=0.06)
n is the number of times compounded per year (n=12 is monthly, n=2 is twice per year)
T is the number of years past
And A is the amount of money after t years with a rate r compounded n times per year staring at P amount
Final answer:
n is the number of times per year the interest is compounded.
Hope I helped, and sorry it took this long for you to get an answer.