Young Hills
05/20/2023 · Middle School
9. You deposit \( \$ 1600 \) in a bank account. Find the balance after 3 years for each of the following situations: a. The account pays \( 2.5 \% \) annual interest compounded monthly. b. The account pays \( 1.75 \% \) annual interest compounded quarterly. c. The account pays \( 4 \% \) annual interest compounded yearly.
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Step-by-step Solution
각 경우에 대해 3년 후의 잔액을 계산해 보겠습니다. 복리 계산 공식을 사용하겠습니다:
\[
A = P \left(1 + \frac{r}{n}\right)^{nt}
\]
여기서:
- \( A \)는 최종 잔액
- \( P \)는 초기 투자액 (여기서는 \( 1600 \) 달러)
- \( r \)는 연이자율 (소수로 표현)
- \( n \)은 이자가 복리로 계산되는 횟수 (연간)
- \( t \)는 시간 (년)
### a. 연이자율 \( 2.5\% \), 월 복리
- \( P = 1600 \)
- \( r = 0.025 \)
- \( n = 12 \) (월 복리)
- \( t = 3 \)
\[
A = 1600 \left(1 + \frac{0.025}{12}\right)^{12 \times 3}
\]
\[
A = 1600 \left(1 + \frac{0.025}{12}\right)^{36}
\]
\[
A = 1600 \left(1 + 0.0020833\right)^{36}
\]
\[
A = 1600 \left(1.0020833\right)^{36}
\]
\[
A \approx 1600 \times 1.077
\]
\[
A \approx 1723.20
\]
### b. 연이자율 \( 1.75\% \), 분기 복리
- \( P = 1600 \)
- \( r = 0.0175 \)
- \( n = 4 \) (분기 복리)
- \( t = 3 \)
\[
A = 1600 \left(1 + \frac{0.0175}{4}\right)^{4 \times 3}
\]
\[
A = 1600 \left(1 + \frac{0.0175}{4}\right)^{12}
\]
\[
A = 1600 \left(1 + 0.004375\right)^{12}
\]
\[
A = 1600 \left(1.004375\right)^{12}
\]
\[
A \approx 1600 \times 1.054
\]
\[
A \approx 1686.40
\]
### c. 연이자율 \( 4\% \), 연 복리
- \( P = 1600 \)
- \( r = 0.04 \)
- \( n = 1 \) (연 복리)
- \( t = 3 \)
\[
A = 1600 \left(1 + \frac{0.04}{1}\right)^{1 \times 3}
\]
\[
A = 1600 \left(1 + 0.04\right)^{3}
\]
\[
A = 1600 \left(1.04\right)^{3}
\]
\[
A \approx 1600 \times 1.124864
\]
\[
A \approx 1799.78
\]
### 최종 결과
- a. \( 2.5\% \) 월 복리: 약 \( 1723.20 \) 달러
- b. \( 1.75\% \) 분기 복리: 약 \( 1686.40 \) 달러
- c. \( 4\% \) 연 복리: 약 \( 1799.78 \) 달러
Quick Answer
a. 월 복리 \( 2.5\% \): 약 \( 1723.20 \) 달러
b. 분기 복리 \( 1.75\% \): 약 \( 1686.40 \) 달러
c. 연 복리 \( 4\% \): 약 \( 1799.78 \) 달러
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