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Math & Conversion
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Arithmetic Sequence Calculator

nth term, sum of n terms & the common difference

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Last updated September 6, 2026

Method: The nth term uses the exact closed form aₙ = a₁ + (n − 1)d, and the sum uses Sₙ = n/2 · (a₁ + aₙ). When you supply two known terms, the common difference comes from d = (aₖ − aₘ) / (k − m) and the first term from a₁ = aₘ − (m − 1)d.

Included: The nth term, the sum of the first n terms (the arithmetic series), the derived first term and common difference, the explicit and recursive rules, the average of the terms, a term-by-term table with a running sum, and a numbered step-by-step solution.

Not included: Geometric, harmonic, quadratic or Fibonacci-style sequences, infinite series, sums of squares or cubes, and exact fraction output (values are shown as decimals rounded to 6 places).

Disclaimer: This is a free educational tool for learning and checking your own work, not academic or professional advice. Arithmetic sequence formulas are exact mathematical identities; only the decimal display is rounded.

๐Ÿ”ข Enter your sequence

Arithmetic sequence: aโ‚™ = aโ‚ + (n โˆ’ 1)d

Try:

โœ… Term number 20

aโ‚™ = 62
increasing sequence, d = 3
Sum of the first 20 terms
670
First term aโ‚
5
Common difference d
3
Average of the terms
33.5

๐Ÿ“ The rule for this sequence

Explicit formula (nth term)
aโ‚™ = 5 + (n โˆ’ 1) ยท 3 = 3n + 2
Recursive formula
aโ‚ = 5, ย  aโ‚™ = aโ‚™โ‚‹โ‚ + 3
Sum of the first n terms
Sโ‚™ = n / 2 ยท (aโ‚ + aโ‚™)
First terms
58111417202326...

๐Ÿ“‹ Term-by-term table

nTerm aโ‚™Running sum Sโ‚™
155
2813
31124
41438
51755
62075
72398
826124
929153
1032185
1135220
1238258
1341299
1444343
1547390
1650440
1753493
1856549
1959608
2062670

๐Ÿ“ Step-by-step solution

  1. 1. Write down what you know.
    aโ‚ = 5, ย  d = 3, ย  n = 20
  2. 2. Apply the nth term formula.
    aโ‚™ = 5 + (20 โˆ’ 1) ยท 3 = 5 + 57 = 62
  3. 3. Add the first and last term, then apply the sum formula.
    Sโ‚™ = 20 / 2 ยท (5 + 62) = 10 ยท 67 = 670
  4. 4. Check it.
    Average term = 670 / 20 = 33.5, which equals (aโ‚ + aโ‚™) / 2 = 33.5

Results use the exact arithmetic sequence formulas aโ‚™ = aโ‚ + (n โˆ’ 1)d and Sโ‚™ = n/2 ยท (aโ‚ + aโ‚™). Values are rounded to 6 decimal places for display, so a decimal common difference can show a tiny rounding difference in very long sequences.

Arithmetic sequence calculator: the complete guide

An arithmetic sequence adds the same fixed amount to every term. The nth term is aₙ = a₁ + (n − 1)d and the sum of the first n terms is Sₙ = n/2 · (a₁ + aₙ). Example: starting at 5 with a common difference of 3, the 20th term is 62 and the first 20 terms add up to 670.

Before you start, check that your sequence really is arithmetic. Subtract each term from the one that follows it. If every gap is the same number, this page is the right tool. If every ratio is the same instead, the sequence is geometric and grows by compounding, which the Compound Interest Calculator models. If each term is the sum of the two before it, you have the Fibonacci pattern and want the Fibonacci Calculator instead.

What an arithmetic sequence actually is

A sequence is just an ordered list of numbers, and each entry is called a term. The first term is written a₁, the second a₂, and the term in position n is written aₙ. A sequence is arithmetic when the difference between any two neighboring terms is constant. That constant is the common difference d, and you find it by subtracting any term from the one immediately after it.

Take 5, 8, 11, 14, 17, 20. Subtracting gives 8 − 5 = 3, 11 − 8 = 3, 14 − 11 = 3, and so on. Every gap is 3, so the sequence is arithmetic with d = 3. Plotted on a graph, the terms sit on a perfectly straight line, which is why arithmetic sequences are also described as showing linear growth. The common difference is the slope of that line.

The name arithmetic progression (often abbreviated AP) means exactly the same thing and is the more common wording in British and Indian textbooks. When you add the terms of an arithmetic sequence together you get an arithmetic series, which is what the sum formula computes.

The two formulas you need

Everything on this page comes from two exact identities. The first gives any single term:

aₙ = a₁ + (n − 1) · d

Read it as: start at the first term, then take n − 1 steps of size d. The reason it is n − 1 rather than n is that the first term requires no steps at all. Term 2 is one step away from term 1, term 3 is two steps away, and term n is n − 1 steps away.

The second identity adds up the first n terms:

Sₙ = (n ÷ 2) · (a₁ + aₙ)

In words: the average of the first and last term, multiplied by how many terms there are. If you do not yet know the last term, substitute the first formula into the second to get the equivalent one-step version Sₙ = n/2 · (2a₁ + (n − 1)d). Both give identical answers; the calculator uses the first and shows the arithmetic in its step list.

A third rearrangement is useful when you know two terms but not the difference:

d = (aₖ − aₘ) ÷ (k − m)

How to use this calculator

  1. Pick your mode. Choose I know a₁ and d when the problem states the first term and the common difference. Choose I know two terms when you are told, for example, that the 4th term is 14 and the 9th term is 29.
  2. Enter the numbers. Negatives and decimals are fine for the first term and the difference. Term positions must be whole numbers of 1 or more.
  3. Set n. This is the term you want. It also controls how many terms are summed, so n = 20 gives both the 20th term and the total of terms 1 through 20.
  4. Read the result card. The headline number is aₙ. The tiles below carry the sum, the first term, the common difference and the average of the terms.
  5. Study the rule and the table. The explicit and recursive formulas are written out for your exact numbers, and the table lists every term with a running total so you can verify the sum by hand.

Worked example 1: the 20th term and the sum

A sequence starts at 5 and increases by 3 each step: 5, 8, 11, 14, 17, and so on. Find the 20th term and the sum of the first 20 terms.

  • Known values: a₁ = 5, d = 3, n = 20.
  • Steps taken: n − 1 = 19, so the total climb is 19 × 3 = 57.
  • 20th term: a₂₀ = 5 + 57 = 62.
  • Sum: S₂₀ = 20/2 × (5 + 62) = 10 × 67 = 670.
  • Check: the average term is 670 ÷ 20 = 33.5, and (5 + 62) ÷ 2 = 33.5. The two agree, so the sum is right.

The explicit rule for this sequence simplifies to aₙ = 3n + 2, because 5 + (n − 1) × 3 = 3n + 2. That simplified form is what the calculator prints beside the raw formula, and it makes the linear nature obvious: slope 3, intercept 2.

Term-by-term table: 5, 8, 11, 14, and so on

Here are the first twelve terms of the same sequence with a running sum, so you can see both formulas working line by line:

n Term aₙ = 5 + (n − 1)3 Running sum Sₙ
155
2813
31124
41438
51755
62075
72398
826124
929153
1032185
1135220
1238258
2062670

Notice that the running sum grows faster and faster even though the terms themselves grow by a steady 3. That is because each new term added is larger than the last, so an arithmetic series is quadratic even when the sequence is linear. Continuing the same sequence, the 50th term is 152 and the first 50 terms total 3,925; the 100th term is 302 and the first 100 terms total 15,350.

Worked example 2: finding the common difference from two terms

A problem tells you only that the 4th term is 14 and the 9th term is 29. Find the rule, the 20th term and the sum of the first 20 terms.

  • Gap in position: 9 − 4 = 5 steps. Gap in value: 29 − 14 = 15.
  • Common difference: d = 15 ÷ 5 = 3.
  • Back up to the first term: a₁ = 14 − (4 − 1) × 3 = 14 − 9 = 5.
  • 20th term: a₂₀ = 5 + 19 × 3 = 62.
  • Sum: S₂₀ = 20/2 × (5 + 62) = 670.

This is the same sequence as example 1, described differently. That is the point of the two-term mode: whichever two terms a problem hands you, the sequence is fully determined, because two points define a line.

Common difference from two terms: six solved cases

Each row applies d = (aₖ − aₘ) / (k − m) and then a₁ = aₘ − (m − 1)d, followed by the 20th term and the 20-term sum:

Given d a₁ a₂₀ S₂₀
a₄ = 14, a₉ = 293562670
a₃ = 11, a₈ = 263562670
a₂ = −3, a₇ = 174−769620
a₅ = 40, a₁₂ = 5−560−35250
a₆ = 18, a₁₀ = 1801818360
a₁ = 7, a₂₅ = 1034783900

The fifth row is worth a second look. When two different positions hold the same value, the common difference is 0 and the sequence is constant, so the sum is simply 20 × 18 = 360. The fourth row shows a negative difference derived from a falling pair of terms.

Worked example 3: a decreasing sequence

Not every arithmetic sequence grows. Suppose a machine starts with 100 units of coolant and loses 7 units per cycle: 100, 93, 86, 79, and so on. What is the level after 15 cycles, and what is the running total of all fifteen readings?

  • Known values: a₁ = 100, d = −7, n = 15.
  • 15th term: a₁₅ = 100 + 14 × (−7) = 100 − 98 = 2.
  • Sum of the fifteen readings: S₁₅ = 15/2 × (100 + 2) = 7.5 × 102 = 765.
  • The 10th term is 37 and the first ten readings total 685, so cycles 11 through 15 add another 80.

Because d is negative, the terms eventually pass zero and turn negative: the 20th term is −33. Solving 0 = 100 + (n − 1)(−7) gives n = 15.29, which is not a whole number, so no term is exactly zero. The sequence steps straight from 2 at term 15 to −5 at term 16.

Eight sequences with their rule, 10th term and 10-term sum

Use this as an answer key for practice. Every row was produced with the same two formulas:

Sequence a₁ d Rule aₙ a₁₀ S₁₀
1, 2, 3, 4, ...11n1055
2, 4, 6, 8, ...222n20110
1, 3, 5, 7, ...122n − 119100
5, 8, 11, 14, ...533n + 232185
−8, −4, 0, 4, ...−844n − 1228100
0, 0.5, 1, 1.5, ...00.50.5n − 0.54.522.5
12, 9, 6, 3, ...12−315 − 3n−15−15
100, 93, 86, 79, ...100−7107 − 7n37685

Two rows are famous special cases. The counting numbers 1, 2, 3 give the triangular numbers as their sums, so Sₙ = n(n + 1)/2 and adding 1 through 100 gives 5,050. The odd numbers 1, 3, 5, 7 have sums that are perfect squares: the first ten odd numbers total 100, which is 10².

Why the sum formula works: the pairing trick

Write the series forward and then backward under itself. Adding the two lines column by column pairs the first term with the last, the second with the second-to-last, and so on. Every one of those pairs adds to exactly the same total, a₁ + aₙ, because whatever one term gains the other loses. There are n columns, so twice the sum equals n × (a₁ + aₙ), and halving gives Sₙ = n/2 · (a₁ + aₙ).

The classic demonstration is adding 1 through 100. Pair 1 with 100, 2 with 99, 3 with 98, and so on: fifty pairs, each adding to 101, so the total is 50 × 101 = 5,050. The same reasoning gives 1 through 50 as 1,275. This is the fastest mental check on any sum this calculator produces: the average of the terms must equal the midpoint of the first and last term.

Which term is a given value? Solving for n

Rearranging the nth term formula gives n = (aₙ − a₁) / d + 1. Applied to the sequence 5, 8, 11, 14 with d = 3:

Value (value − 5) ÷ 3 + 1 In the sequence?
206Yes, it is term 6
5016Yes, it is term 16
6220Yes, it is term 20
10133Yes, it is term 33
10032.667No, not a whole number

A non-integer answer is not an error. It simply means the value falls between two terms and is never reached exactly. Note also that n must be positive: a value below the first term cannot appear in an increasing sequence.

Arithmetic versus geometric: adding against multiplying

The single most useful contrast is between adding a constant and multiplying by a constant. Both sequences below start at 100. The arithmetic one adds 10 per step; the geometric one multiplies by 1.10 per step:

Term n Arithmetic, d = 10 Geometric, ratio 1.10 Arithmetic sum Geometric sum
1100100.00100100.00
5140146.41600610.51
10190235.791,4501,593.74
15240379.752,5503,177.25
20290611.593,9005,727.50
303901,586.317,35016,449.40

The two start together and stay close for a few steps, then the geometric column pulls away and never comes back. That gap is the whole difference between simple interest, which is arithmetic, and compound interest, which is geometric. If your problem involves a fixed percentage per period rather than a fixed amount, this page is the wrong tool.

Where arithmetic sequences show up in real life

  • Escalating savings plans. Deposit $50 in week 1 and add $10 more each week. Week 52 deposits $560, and the year total is $15,860, since S₅₂ = 52/2 × (50 + 560).
  • Seating and stadium rows. Row 1 has 20 seats and each row adds 2. Row 15 has 48 seats and the whole 15-row section holds 510 people.
  • Training plans. Run 2 miles in week 1 and add half a mile weekly. Week 12 is a 7.5 mile run, and the twelve weeks total 57 miles.
  • Straight-line depreciation. An asset that loses the same dollar amount every year forms a decreasing arithmetic sequence.
  • Simple interest. A balance that earns the same dollar interest each year grows arithmetically, unlike a compounding balance.
  • Stacked objects. Logs, pipes or cans stacked with one fewer per layer form the classic arithmetic pile problem.

Key terms explained

  • Term: one entry in the list. The nth term is written aₙ.
  • First term (a₁): the starting value; everything else is measured from it.
  • Common difference (d): the fixed amount added at each step. It can be positive, negative, fractional or zero.
  • Explicit formula: a rule that gives any term directly from its position, aₙ = a₁ + (n − 1)d.
  • Recursive formula: a rule that gives each term from the previous one, aₙ = aₙ₋₁ + d.
  • Arithmetic series: the sum of the terms, written Sₙ. Also called a partial sum.
  • Arithmetic progression (AP): another name for an arithmetic sequence.
  • Arithmetic mean: the average of two values. In an arithmetic sequence every term is the arithmetic mean of its two neighbors.

What changes the result

Four inputs drive everything on this page, and each one moves the answer in a predictable direction:

  • The first term shifts every term and the whole sum. Raising a₁ by 1 raises the sum of n terms by exactly n.
  • The common difference sets the slope. Raising d by 1 raises the nth term by n − 1 and the sum by n(n − 1)/2, which is why a small change in d has an outsized effect on a long sum.
  • The number of terms drives the sum quadratically. Doubling n roughly quadruples the sum when d dominates the first term.
  • The sign of d decides whether the sequence climbs, falls or stays flat, and whether the sum can turn negative partway along.

Tips for getting it right

  • Confirm the sequence really is arithmetic by checking at least three consecutive gaps, not just one.
  • Count steps, not terms: reaching term n takes n − 1 steps of size d.
  • Keep the sign of d attached to it. A decreasing sequence has a negative common difference all the way through the arithmetic.
  • Verify a sum by dividing it by n. The result must equal the midpoint of the first and last term.
  • When a problem gives two arbitrary terms, use the position gap as the divisor, not the smaller position.
  • For a sum that starts partway along, compute S for the whole range and subtract S for the part you are skipping.

Limitations of this calculator

This page covers finite arithmetic sequences only. It does not handle geometric or harmonic sequences, quadratic patterns, Fibonacci-style recursions, infinite series, or sums of squares and cubes. Results are shown as decimals rounded to six places rather than exact fractions, so a repeating common difference such as one third displays as 0.333333. There is no graphing, and the term table is capped at 25 rows plus the highlighted target term to keep long sequences readable. For sums that begin at a term other than the first, run the calculator twice and subtract.

How this compares to related calculators

This page is for sequences that grow by a fixed amount. Reach for a sibling tool when the pattern is different: the Fibonacci Calculator when each term is the sum of the two before it, the Compound Interest Calculator when growth is a fixed percentage per period rather than a fixed amount, the Exponent Calculator when you need the powers behind that geometric growth, the Average Calculator when you want the mean, median and mode of an arbitrary list instead of a patterned one, and the Scientific Calculator for one-off arithmetic on a term you already have.

๐Ÿ’ก Good to know

The average check takes two seconds

Divide any arithmetic sum by the number of terms. The answer must equal (a₁ + aₙ) / 2, the midpoint of the first and last term. For 670 over 20 terms that is 33.5, and (5 + 62) / 2 is also 33.5, so the sum is correct.

Every term is the average of its neighbors

In an arithmetic sequence, aₙ = (aₙ₋₁ + aₙ₊₁) / 2. That is the definition of the arithmetic mean and it is a quick way to spot a typo: if a term is not halfway between the two around it, the sequence is not arithmetic.

A linear sequence, a quadratic sum

The terms grow along a straight line, but the running total grows along a curve. Expanding Sₙ = n/2 · (2a₁ + (n − 1)d) shows the sum is a quadratic in n, which is why doubling the number of terms far more than doubles the total.

โš ๏ธ Common mistakes & edge cases

Using n instead of n − 1

The formula is a₁ + (n − 1)d, not a₁ + nd. Writing 5 + 20 × 3 = 65 instead of 5 + 19 × 3 = 62 for the 20th term is the classic slip, and it always overshoots by exactly one common difference.

Dividing by the wrong number when finding d

From the 4th and 9th terms, divide the value gap by 5 (the difference in positions), not by 9 or by 4. Writing d = 15 ÷ 9 instead of 15 ÷ 5 produces a sequence that fits neither given term.

Confusing the sequence with the series

aₙ is a single term and Sₙ is the total of the first n terms. A question asking for "the 12th term" wants 38 in our example sequence, while "the sum of the first 12 terms" wants 258. Read which one the problem is asking for.

Assuming a pattern is arithmetic after checking one gap

2, 4, 8, 16 starts with a gap of 2 and looks arithmetic for one step, but it is geometric. Check three consecutive differences before applying these formulas, and if the ratios are constant instead, use a geometric or compounding tool.

Dropping the negative sign on a decreasing sequence

For 100, 93, 86 the common difference is −7, not 7. Entering the positive value flips the whole sequence upward and turns a 15th term of 2 into 198. The sign travels with d through every calculation.

Summing from the wrong starting point

Sₙ always counts from term 1. To add terms 11 through 20, compute S₂₀ and subtract S₁₀: for our sequence that is 670 − 185 = 485. Plugging n = 10 into the formula with a₁ set to the 11th term also works, but mixing the two approaches does not.

Note: A common difference of 0 is legal. The sequence is then constant, every term equals a₁, and the sum is simply n × a₁.

❓ Frequently asked questions

What is an arithmetic sequence?

An arithmetic sequence is a list of numbers in which every term is found by adding the same fixed amount to the term before it. That fixed amount is the common difference, written d. In 5, 8, 11, 14, 17 the common difference is 3, because each term is 3 more than the one before. If the gap between consecutive terms is not always the same, the sequence is not arithmetic.

What is the formula for the nth term of an arithmetic sequence?

The explicit formula is a_n = a_1 + (n - 1)d, where a_1 is the first term, d is the common difference and n is the position of the term you want. The (n - 1) is the number of steps taken from the first term, not n, because the first term itself needs zero steps. For a_1 = 5 and d = 3, the 20th term is 5 + 19 times 3 = 62.

How do I find the sum of an arithmetic sequence?

Use S_n = n/2 times (a_1 + a_n). Add the first and last term, multiply by the number of terms, then halve it. For the sequence starting 5, 8, 11 with 20 terms, the last term is 62, so S_20 = 20/2 times (5 + 62) = 10 times 67 = 670. If you do not know the last term yet, the equivalent form S_n = n/2 times (2a_1 + (n - 1)d) gets there in one step.

How do I find the common difference from two terms?

Subtract the two term values and divide by the gap between their positions: d = (a_k - a_m) / (k - m). If the 4th term is 14 and the 9th term is 29, then d = (29 - 14) / (9 - 4) = 15 / 5 = 3. Once you have d, back up to the first term with a_1 = a_m - (m - 1)d, which here gives 14 - 3 times 3 = 5. The two-term mode of this calculator does both steps for you.

What is the difference between an arithmetic sequence and an arithmetic series?

A sequence is the list of terms itself, such as 5, 8, 11, 14. A series is what you get when you add those terms together, such as 5 + 8 + 11 + 14 = 38. So the nth term formula belongs to the sequence and the sum formula S_n belongs to the series. This calculator reports both, which is why it doubles as an arithmetic series calculator.

Can the common difference be negative or a fraction?

Yes. A negative common difference simply means the sequence decreases: 100, 93, 86, 79 has d = -7. A fractional or decimal difference is equally valid, as in 2, 2.5, 3, 3.5 where d = 0.5. The formulas do not change at all. A common difference of exactly 0 gives a constant sequence in which every term equals the first term, and the sum is just n times a_1.

How do I know which term number a given value is?

Rearrange the nth term formula: n = (a_n - a_1) / d + 1. For the sequence starting at 5 with d = 3, the value 101 sits at n = (101 - 5) / 3 + 1 = 33. If the result is not a whole number, that value is not a member of the sequence at all. For example 100 gives n = 32.666, so 100 never appears in 5, 8, 11, 14, and so on.

Is the sum formula the same as the Gauss trick?

Yes, it is the same idea written as algebra. Pair the first term with the last, the second with the second-to-last, and so on: every pair adds to the same total, a_1 + a_n. With n terms you get n/2 such pairs, so the sum is n/2 times (a_1 + a_n). Adding 1 through 100 gives 50 pairs of 101, which is 5,050, the classic result attributed to a young Carl Friedrich Gauss.

Does this calculator handle very long sequences?

Yes. You can request any whole-number term position up to 100,000, and the nth term and the sum are computed directly from the closed-form formulas rather than by looping, so a 50,000-term sum returns instantly. The term-by-term table shows the first 25 rows plus a highlighted row for the term you asked about, which keeps very long sequences readable.

What is the difference between an explicit and a recursive formula?

The explicit formula a_n = a_1 + (n - 1)d jumps straight to any term you want, so you can get the 500th term without listing the first 499. The recursive formula a_n = a_(n-1) + d only tells you how to get from one term to the next, so you must walk down the list. Both describe the same sequence, and this calculator shows both for whatever numbers you enter.

How is an arithmetic sequence different from a geometric sequence?

An arithmetic sequence adds a constant amount each step, so its graph is a straight line. A geometric sequence multiplies by a constant ratio each step, so it curves upward or decays. Starting at 100, adding 10 per step reaches 190 at the 10th term, while multiplying by 1.10 per step reaches about 235.79. Arithmetic growth is linear; geometric growth compounds.

Why is it (n - 1)d and not n times d?

Because the first term needs no steps. To reach term 2 you take one step of size d, to reach term 3 you take two steps, and to reach term n you take n - 1 steps. Multiplying by n instead of n - 1 is the single most common error in sequence homework, and it always makes the answer exactly one d too large.

Can I use this calculator for homework and test practice?

Yes. It is built to show its work: the nth term, the sum, the derived first term and common difference, the explicit and recursive rules, a term-by-term table with a running sum, and a numbered step-by-step solution you can compare against your own. Show your own working where your class requires it, and use the average check (the mean of the terms should equal (a_1 + a_n) / 2) to confirm the sum.

What real-world situations are arithmetic sequences?

Anything that changes by a fixed amount per period: a savings plan where you add $10 more each week, seats in an auditorium where each row has 2 more than the row in front, straight-line depreciation of equipment, a training plan that adds half a mile per week, and simple interest, which adds the same dollar amount every year. Anything that grows by a fixed percentage instead is geometric, not arithmetic.

What if my sequence has different gaps between terms?

Then it is not arithmetic and these formulas do not apply. Check by subtracting each term from the one after it: if every difference is identical the sequence is arithmetic, if every ratio is identical it is geometric, and if neither holds it may follow another rule entirely, such as the Fibonacci pattern where each term is the sum of the two before it.

๐Ÿ“š Sources & method

Everything on this page is deterministic mathematics that needs no external source. The nth term identity aₙ = a₁ + (n − 1)d and the partial sum identity Sₙ = n/2 · (a₁ + aₙ) are exact algebraic definitions of an arithmetic sequence, provable in two lines from the definition that consecutive terms differ by a constant. The derived relations used here follow from the same two identities: d = (aₖ − aₘ) / (k − m), a₁ = aₘ − (m − 1)d, n = (aₙ − a₁) / d + 1, and the equivalent sum form Sₙ = n/2 · (2a₁ + (n − 1)d).

Every worked example, table value and figure in the text above was computed directly from those formulas and cross-checked two ways, once with the closed-form sum and once by adding the terms one at a time. The comparison against geometric growth uses the standard geometric term aₙ = a₁rⁿ⁻¹ and geometric sum a₁(rⁿ − 1)/(r − 1), also exact identities.

No legal, tax, financial or health figures appear on this page, so no agency data is cited. The dollar amounts in the real-world examples are illustrative inputs chosen to demonstrate the formulas, not market rates or published statistics.

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