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Compound Interest

Total questions: 23

Worksheet time: 2hrs 39mins

Name
Class
Date
1.

What is the correct definition of interest?

a)

money paid to you by a bank for the money you have in a bank account

b)

put into a bank account

c)

to borrow something

2.

In some investment accounts interest is computed on interest that has been earned in previous years. What is this method of computing interest called?

a)

compound interest

b)

double interest

c)

simple interest

d)

not enough information

3.

What does the r stand for in this formula?

a)

Initial amount

b)

Final amount

c)

Rate

d)

Time

e)

The number of times compounded per year

4.

What does the P stand for in this formula?

a)

Initial amount

b)

Final amount

c)

Rate

d)

Time

e)

The number of times compounded per year

5.

What does the n stand for in this formula?

a)

Initial amount

b)

Final amount

c)

Rate

d)

Time

e)

The number of times compounded per year

6.

When calculating

interest, how do you write the percent?

a)

a fraction

b)

a decimal

c)

a round number

d)

not enough information

7.

the time has to be in _____________

a)

years

b)

months

c)

days

d)

seconds

8.
Change 6.75% to a decimal.
a)
67.5
b)
.675
c)
675
d)
.0675
9.
What is "n" if the interest is compounded quarterly?
a)
1
b)
12
c)
2
d)
4
10.
Monthly means how many times a year?
a)
b)
12
c)
52
d)
365
11.
If you are taking out a loan, is it better to have interest compounded daily or quarterly at 7%?
a)
Daily - so you owe money more often
b)
Quarterly - so you owe money less frequently
c)
who knows
d)
I need to consult my financial analyst
12.
If you are opening a savings account, is it better to have interest compounded daily or quarterly at 7%?
a)
Daily - so you earn money more often
b)
Quarterly - so you earn money less often
c)
who knows
d)
I need to consult my financial analyst
13.

Steve deposited

$5,000 in a savings account that pays 4% interest compounded annually. Which

equation could be used to find the value of the account after 3 years?

a)

A = 5,000(1 + 4)3

b)

A = 5,000(1 + 0.04)3

c)

A = 5,000(1 + 0.4) x 3

d)

A = 5,000(0.04)3

14.
Principal: $5000
Interest Rate: 3.75%
Time: 25 years
Compounded Monthly
State the future account balance.
a)
$12712.31
b)
$12,749.30
c)
$12,657.59
d)
$12550.84
15.
Principal: $999
Interest Rate: 5.45%
Time: 19 years
Compounded Quarterly
State the future account balance.
a)
$2794.10
b)
$2738.11
c)
$2774.98
d)
$2807.11
16.

Heather

invested $8,000 in a 4-year Certificate of Deposit (CD) that pays 4.1% interest

compounded annually. What is the value of the CD at the end

of the 4 years?

a)

$9,394.92

b)

$9,312.00

c)

$1394.00

d)

$1312.00

17.

Mark took a loan out for $25,690 to purchase a truck. At an interest rate of 5.2% compounded monthly, how much total will he have paid after 5 years?

a)

$33,299.42

b)

$33,672.68

c)

$34,157.04

d)

$34,710.88

18.

Olivia would like to buy some new furniture for her home. She decides to buy the furniture on credit with 9.5% interest compounded quarterly. If she spent $7,400, how much total will she have paid after 8 years?

a)

$15,415.94

b)

$15,683.28

c)

$15,927.56

d)

$16,349.72

19.
The Arnold's took out a loan for $195,000 to purchase a home. At 4.3% interest rate compounded annually, how much will they have paid after 30 years?
a)
$412,749.79
b)
$529.305.61
c)
$689,546.99
d)
$640,891.53
20.

Kennedy won $3,000 from a radio contest. If she puts this money in a bank account that earns 2.9% interest compounded quarterly, how much interest will she earn in 10 years?

a)

$915.59

b)

$933.28

c)

$979.81

d)

$1,005.09

21.
Given an investment of $1,500:
Which investment would have a larger balance after 5 years?
Option 1 - 4% compounded monthly
Option 2 - 3.9% compounded daily. 
a)
Option 1
b)
Option 2
22.

Town Bank offers a 2.25% interest rate, while Charter One offers 2.8%. Both banks compound interest annually. If Rob wants to set up a new account with $5,000,how much more money will he earn at Charter One over Town Bank after 25 years?

a)

$1,183.41

b)

$1,209.79

c)

$1,251.63

d)

$1,324.10

23.
You want to save $5,000 for future family vacation.  If the bank pays 4.3% compounded monthly for 3 years, then how much will you need to invest to reach your vacation goal?  
a)
$307,042,791
b)
$5,000
c)
$3,250
d)
$4,395.89