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R16Compound interest, growth and decay

Edexcel GCSE Maths (1MA1), Higher tier · Ratio, proportion and rates of change

Practise Compound interest, growth and decay. 2 exam-style questions plus unlimited generated ones on this subtopic, at up to four difficulty levels, with full mark schemes and a progress tracker. Free, no account needed.

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Sample questions

Written for this site in the style of Edexcel exam questions. They are not taken from real past papers.

Question 1Easy3 marks
The number of members of a running club is 2500.
It increases by 10% each year.
Work out the number after 2 years.[3]
Show the answer and mark scheme
Answer: \(3025\)
  • M1 for a correct multiplier (1.1) or for finding 10% of 2500 (250)
  • M1 for a complete method, e.g. \(2500 \times 1.1^{2}\) or 2 years worked out one at a time
  • A1 for 3025 cao

Worked solution: Each year multiply by 1.1:
after 1 year: \(2500 \times 1.1 = 2750\)
after 2 years: \(2750 \times 1.1 = 3025\).

Question 2Medium4 marks
Sanjay has £5000 to invest for 5 years.
Account A pays 3% per year compound interest.
Account B pays 3.2% per year simple interest.
Which account will give Sanjay more money at the end of the 5 years?
You must show your working.[4]
Show the answer and mark scheme
Answer: Account B: A gives £5796.37 and B gives £5800.
  • M1 for \(5000 \times 1.03^5\)
  • A1 for £5796.37 (or £5796.4)
  • M1 for \(5000 + 5 \times 0.032 \times 5000\) (= £5800)
  • C1 for Account B, supported by both correct totals (or both amounts of interest, £796.37 and £800)

Worked solution: A: \(5000 \times 1.03^5 = 5796.37\) (to the nearest penny).
B: interest \(= 0.032 \times 5000 = 160\) per year, so \(5000 + 5 \times 160 = 5800\).
Account B gives £3.63 more.

Question 3Hard4 marks
The value of a car decreases by 15% each year.
After 3 years the car is worth £9826.
(a) Leo says, 'The car has lost 3 × 15% = 45% of its value, so its value when new was £9826 ÷ 0.55.'
Explain why Leo is wrong.[1]
(b) Work out the value of the car when it was new.[3]
Show the answer and mark scheme
(a) Answer: Each year's 15% is taken from the value at the start of that year, which keeps getting smaller, so the multiplier is \(0.85^3\), not 0.55.
  • C1 for explaining that the decrease is compound (each 15% is of a smaller value), so the multiplier is \(0.85^3\) (= 0.614125)

Worked solution: The 15% in the second and third years is taken from smaller values, so the total loss is less than 45%: the multiplier is \(0.85^3 = 0.614125\).

(b) Answer: £16 000
  • M1 for \(0.85^3\) (= 0.614125)
  • M1 for \(9826 \div 0.85^3\)
  • A1 for £16 000

Worked solution: \(9826 \div 0.85^3 = 9826 \div 0.614125 = 16\,000\), so the car was worth £16 000 when new.

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