In order to sole the problem you need to create an equation to model what you are trying to do. You end up with an equation looking like 25000*0.95^t 25000 is the starting value when t=0 95% is the amount remaining after the 5% decay 0.95 is being raised to the power of t to determine how many times it has decayed When t=3 the equation should be 25000*0.95^3=21434.375