<span>A = P (1 + r/n)<span> (nt) </span></span>A<span> = the future value of the investment</span> P<span> = (the initial deposit or loan amount)</span> r<span> = the annual interest rate (decimal)</span> n<span> = the number of times that interest is compounded per year</span> t<span> = the number of years the money is invested </span>